At RP, we're committed to providing competitive, flexible benefits that support teammates and their families. While healthcare costs continue to rise nationwide, we're pleased that our healthcare plan costs remain below national averages. This reflects both thoughtful plan management and the important role teammates play in choosing high-quality, cost-effective care.

As we look ahead to 2027, some plan costs and provisions will change to help maintain comprehensive coverage while supporting the long-term sustainability of the benefits program. Our goal remains the same: providing meaningful healthcare options that balance quality, choice, and affordability.

What this means for you: Review your 2027 medical plan options, coverage levels, and costs carefully during Open Enrollment so you can select the coverage that best meets your needs. Taking time to compare options and seek high-quality, cost-effective care can help keep healthcare affordable for everyone.

If you enroll in the Anthem High Deductible Health Plan (HDHP), the deductible and out-of-pocket maximum will increase in 2027.‍

• Annual in-network deductible: Increasing to $3,000 for individual coverage, $3,500 for individual within a family, and $6,000 for family coverage
• Annual out-of-network deductible: Increasing to $6,000 for individual coverage, $7,000 for individual within a family, and $12,000 for family coverage
• Annual in-network out-of-pocket maximum: Increasing to $5,000 for individual coverage, and $10,000 for family coverage

What this means for you: If you are currently enrolled in the HDHP or are considering it for 2027, factor these higher amounts into your expected healthcare expenses when comparing your medical plan options.

Effective January 1, 2027, Unum will replace Prudential as RP's carrier for Life, AD&D, and Disability benefits. Your current coverage will automatically transition to Unum, so no action is required if you wish to keep your existing elections.

Why this is great news: As part of the transition, teammates who enroll in or increase eligible Life and Disability coverage during Open Enrollment will have a special opportunity to elect coverage as if they were a newly eligible employee, which may allow coverage without certain enrollment limitations that typically apply after initial eligibility.

What this means for you:

• No action is required to maintain your current coverage.
• Existing elections will automatically move to Unum effective January 1, 2027.
• Open Enrollment is a great time to review whether additional coverage may be right for you and your family.

The waiting period for Short-Term Disability (STD) benefits is decreasing from 14 days to 7 days. You’ll also pay less for STD coverage in 2027.

Why this is great news: If you experience a covered illness or injury and are unable to work, eligible STD benefits may begin after just 7 days instead of 14, helping provide income protection sooner and at a lower cost to you.

What this means for you: During Open Enrollment, you can elect STD coverage without providing Evidence of Insurability (EOI). EOI typically requires you to answer health questions or provide medical information before coverage can be approved. This gives you an opportunity to enroll in STD coverage without completing that additional approval process.

Effective January 1, 2027, Unum will replace Matrix as RP's carrier for Leave benefits. Your current coverage will automatically transition to Unum, so no action is required if you wish to keep your existing elections.

What this means for you:

• No action is required to maintain your current coverage.
• Note: If you have a leave beginning in January, please do not contact Matrix. Additional contact details will be coming soon!

Beginning in 2027, RP will offer virtual care through Transcarent, providing convenient access to care for everyday health concerns and expanding services to include virtual primary care. Whether you need help with a health concern or ongoing support to manage your health, Transcarent makes it easier to connect with care from wherever you are. Learn more by visiting Transcarent's Virtual Care page.

What this means for you: More ways to access convenient, personalized health care without needing an in-person office visit for every appointment.

RP will continue to cover GLP-1 medications for weight management for members who meet clinical eligibility requirements. Beginning in 2027, coverage will include a 20% member cost share to help maintain sustainable access to these high-cost specialty medications.

What this means for you: Review the 2027 pharmacy benefit details and talk with your healthcare provider to determine whether a GLP-1 medication is appropriate for your health needs. Eligible medications will remain covered when clinical criteria are met

RP is expanding its Kindbody benefits in 2027 to include KindMan, providing additional support for men’s fertility, reproductive health, and overall health needs. KindMan offers comprehensive male fertility and reproductive health support including hormone management, andropause treatment, erectile dysfunction care, and specalized fertility services with advanced diagnostics.  

• The annual IRS contribution limit for Health Savings Accounts (HSAs) is increasing to $4,500/$9,000 (individual/family). If you are age 55+ you can contribute an additional $1,000 per year to your HSA.
• The contribution limit for the Healthcare Flexible Spending Account (FSA) is anticipated to increase to $3,500. You may elect up to this limit and will be contacted once the 2027 limit is released if it differs from the amount in the system.