Open Enrollment
2027 Open Enrollment will take place October 12 through 11:59 p.m. on October 30, with benefit elections taking effect January 1, 2027.
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2027 Benefits Open Enrollment
While no action is required to continue your current medical, dental, vision, and life insurance coverage, Open Enrollment is an important opportunity to review your benefits, confirm your elections, and consider whether your current coverage remains the best fit for you and your family.
If you make no changes, your current medical, dental, vision, and life insurance elections will automatically roll over to 2027.
Please note: Flexible Spending Accounts (FSAs) require annual enrollment. To have FSA coverage in 2027, you must enroll during Open Enrollment, October 12–30, 2026.
What’s New
- Medical Employee Premium: Employee medical premiums will increase by 5%.
- GLP-1 Medication Coverage: Health plans will limit coverage of GLP-1 medications. These medications will remain covered for the treatment of diagnosed medical conditions, such as type 2 diabetes, but will not be covered when used for weight loss or weight management alone.
- Introducing a new dental carrier: Delta Dental of Kentucky will be the university’s new dental carrier in 2027. The Basic and Enhanced plan options will remain the same, but dental premiums will increase for 2027.
- Health Savings Account (HSA): The 2027 IRS contribution limits are $4,500 for employee-only coverage and $9,000 for family coverage. The $1,000 catch-up contribution for individuals age 55 and older remains unchanged.
What’s the Same
- Vision Plans: The vision plan and rates will remain the same for 2027.
- Additional Term, Spouse, and Child Life Insurance: Coverage will remain the same unless you move to a new age band or elect additional coverage. If you are currently enrolled in Additional Term Life Insurance, you may increase your coverage by one level without providing Evidence of Insurability (EOI). If you are not currently enrolled in Additional Term Life Insurance, Evidence of Insurability (EOI) will be required to enroll.
- Flexible Spending Accounts (FSA) require active enrollment. To have FSA coverage in 2027, you must enroll during Open Enrollment, October 12–30, 2026. If you do not enroll in coverage during this time, you will not have coverage in 2027.
Learn About Your Benefits Before You Enroll
Open Enrollment is the perfect time to review your coverage, learn about any changes for 2027 and get answers to your questions. We're currently finalizing event details and will update this page as information becomes available.
Upcoming Educational Sessions
📅 Week of September 21
Open Enrollment Overview
Get an overview of this year's Open Enrollment process, important dates, and available resources.
📅 September 29 from 12 pm to 1 pm
All About Our 2027 Medical Plans
Learn about plan options, costs, and key considerations for choosing coverage.
📅 September 30 from 12 pm to 1 pm
Health Care Accounts Explained
Learn how HRAs, HSAs, and FSAs work and determine which option may be right for you.
Benefits Fair
🏥 October 13 | 8 am to 4 pm
Health Sciences Center, CTR 101/102
🏥 October 14 | 8 am to 4 pm
Belknap Campus, SAC W201AB
Open Enrollment Resources
- Open Enrollment FAQ
- Open Enrollment Postcard
- Enrollment Instructions
- Open Enrollment Presentation
- 2027 Benefits Guide
- 2027 Part-time Benefits Guide
- 2027 House Staff Guide
- 2027 Benefits-at-a-Glance
- Medical Comparison Chart
- Medical Plan Rates
- Provider Resources
- Medical Plan Summaries
- Dental plan information and rates
- Vision plan information and rates
- Open Enrollment Overview Recording
- Medical Plan Recording
- Health Accounts Recording
Open Enrollment Checklist
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1Verify your information in Workday
Verify your home address, phone number and email address are up to date in Workday. For instructions on how to make this update, please visit the Change Home and Work Contact Information QRG.
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2Review your current benefit elections and use the Decisions Pathway tool
Review your current benefit elections and consider whether they still meet your needs. Use the Decisions Pathway Tool to help you understand your benefits needs. It asks you simple questions and presents the option that might be right for you. The information you provide is not tracked or shared with UofL.
How to Review Your Current Benefits
- Log in to your Workday Account.
- Select Benefits and Pay on the right side of the home page.
- Select Benefits from the left menu, then click Benefit Elections.
- Review your current benefit elections.
Note: These reflect your 2026 plan year elections.
To review or change your University of Louisville retirement contributions, log in directly to www.netbenefits.com at any time.
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3Confirm dependent information
Confirm dependent information and gather any required documentation. You can learn how to verify your dependent by reviewing the Dependent Accepted Documents | University of Louisville webpage.
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4Estimate health care and dependent care expenses
Estimate your health care and dependent care expenses for the upcoming year if considering a tax advantaged spending account. For more information visit Tax-advantaged Benefit Accounts | University of Louisville webpage.
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5Review 2027 plan options and rates
Review available plan options, premiums, and coverage details once they are released.
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6Complete the Get Healthy Now program to reduce your medical premium cost
The $40 per month Get Healthy Now incentive is available to all employees and pre-65* retirees enrolled in a UofL medical plan. Medically enrolled spouses and dependents children age 18+ can utilize the wellness program features, but are not eligible for the incentive. Participants must earn 480 wellness points between now and November 20, 2026, to qualify for the $40 Get Healthy Now monthly incentive in 2027. Learn more about how to complete the program on the Get Healthy Now webpage.
*if a pre-65 retiree goes on Medicare while their spouse/qualifying adult (SQA) is still on a UofL Medical Plan, then the incentive will be applied to the SQA.
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7Attend HRtalks sessions and Benefit Fairs
Attend an Open Enrollment webinar, benefits fair or information session. See above for dates and times.
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8Add Open Enrollment dates and reminders to your calendar
Mark the enrollment deadline on your calendar.
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9Enroll in your 2027 benefits
While no action is required to continue your current medical, dental, vision, and life insurance coverage, Open Enrollment is an important opportunity to review your benefits, confirm your elections, and consider whether your current coverage remains the best fit for you and your family.
If you make no changes, your current medical, dental, vision, and life insurance elections will automatically roll over to 2027.
Please note: Flexible Spending Accounts (FSAs) require annual enrollment. To have FSA coverage in 2027, you must enroll during Open Enrollment, October 12–30, 2026.