2027 Envoy Benefits: New Choices, New Costs, and Changes Members Should Review

Envoy plans to move medical, dental, and vision coverage to Aon Benefit Experience for 2027. Members will choose a coverage level and an insurance carrier, with prices based on their home address. Carrier networks, prescription programs, and prices may differ.

Annual enrollment is scheduled for November 9–20, 2026. Coverage begins January 1, 2027.

The figures below come from the September 29, 2026 presentation. 2027 premiums reflect the low-cost carrier examples shown, rather than a guaranteed price for every member. The presentation also states that the medical designs shown are subject to change. Check your personalized enrollment options before making a selection.

Your Current Coverage Will Not Automatically Carry Forward

Previously, employees who made no election generally kept their prior-year coverage, except for flexible spending accounts, which required an annual election.

For 2027, employees and dependents enrolled in 2026 who make no election will default to:

• Medical: the lowest-cost Bronze Plus plan.
• Dental and vision: the lowest-cost Bronze plan.

Employees who waived coverage in 2026 will remain waived.

Review your options even if you want coverage similar to what you have today. A default plan may have a different carrier, provider network, or level of coverage.

Coverage Categories Are Changing

The current categories are employee only, employee plus one, and employee plus two or more.

For 2027, the categories become:

• Employee only.
• Employee plus spouse.
• Employee plus child or children.
• Employee plus family.

Puerto Rico and the U.S. Virgin Islands are exceptions to this new four-category structure.

This change can affect costs significantly. For example, an employee covering two children currently falls under “employee plus two or more.” In 2027, that employee can use the “employee plus child(ren)” category instead of the family category.

Medical: How the New Choices Compare

The presentation compares the current PPO 2500, PPO 1700, and PPO 750 plans with the new Bronze Plus, Silver, and Gold options. These are comparisons, not identical replacement plans.

Deductibles below are shown as individual/family amounts. Benefits shown are in-network.

The new annual in-network out-of-pocket limits, including prescriptions, are:

These limits apply to covered costs under the plan; premiums are separate.

Bronze Plus and Silver are listed as HSA-eligible plans. Both show 25% cost sharing for office visits, emergency care, urgent care, and prescriptions, subject to plan terms.

Gold shows a $25 primary-care copay, $40 specialist copay, and $40 urgent-care copay. Emergency-room care is listed at a $150 copay plus 20%. Retail prescription copays are $10/$40/$60 for generic, preferred brand, and nonpreferred brand drugs.

A separate Gold II option for California only is also shown. It has no deductible, 30% coinsurance, and a $5,400 individual/$10,800 family out-of-pocket maximum. Its premiums are not included in the presentation’s contribution tables.

Medical: Monthly Employee Costs

Current 2026 Premiums

2027 Low-Cost Carrier Examples

Examples Using the Displayed Monthly Premiums

• Full-time, employee only: PPO 2500 to Bronze Plus increases from $130 to $136—$6 more per month.
• Full-time, employee only: PPO 1700 to Silver increases from $194 to $213—$19 more per month.
• Full-time, employee only: PPO 750 to Gold increases from $279 to $310—$31 more per month.
• Part-time, family: PPO 750 to Gold increases from $1,254 to $1,393—$139 more per month.
• Full-time, employee with two children: PPO 1700 at $522 to Silver’s child(ren) category at $426 decreases the premium by $96 per month, with different deductible and coinsurance terms.

A lower premium can come with higher costs when you receive care. Compare premiums, deductibles, copays, prescriptions, and provider networks together.

Dental: Lower Prices Can Mean Less Coverage

The current PPO Core and PPO Plus options are compared with Bronze, Silver, and Gold.

Bronze dental does not cover major restorative services or orthodontia. Members moving from either current plan should consider that loss of coverage before choosing it based on price.

Monthly Employee-Only Dental Costs

For family coverage, the new monthly examples are:

For comparison, current employee-plus-two-or-more premiums are $30.59 for Core and $44.87 for Plus for full-time employees; $50.98 and $65.27 for part-time employees.

Vision: Bronze Has No Eyewear Allowance

The current vision plan provides a $100 glasses or elective contact-lens allowance.

The new in-network options show:

• Bronze: $0 routine exam copay, but no eyewear allowance; discounts may apply.
• Silver: $150 eyewear allowance and a $10 routine exam copay.
• Gold: $200 eyewear allowance and a $0 routine exam copay.

Monthly Vision Premiums

Other Changes and Enrollment Help

The presentation announces a Progyny Menopause & Midlife Care Program beginning January 1, 2027, and a move of AD&D coverage to The Hartford. It lists no benefit-design changes for life, disability, or voluntary benefits.

The “Make It Yours” website is scheduled to become available October 6 through myenvoyair.com/benefits, with carrier information and a “Help Me Choose” comparison tool.

Chicago benefit roadshows are scheduled for:

• November 17: 10 AM–3 PM, ORD Conference Room.
• November 18: 10 AM–3 PM, ORD Conference Room.
• November 18: 2–10 PM, ORD/MTX Hangar.

Before enrollment closes on November 20, check your doctors, hospitals, prescriptions, dependent category, and total expected costs. Make an active election so your 2027 coverage reflects your needs.