2027 CHANGES:
Below are the benefit changes occurring in 2027. Each change has a linked video explaining more about the changes and impact to you the employee. Please click on these links to learn more and ensure you are informed. St. Louis County runs a passive enrollment, which means unless you tell us you want to make changes to your insurance, we will carry over your 2026 coverages to 2027. The exception to this is FSA, you need to enroll annually. Your 2026 FSA elections will NOT roll over.
Start with this video that gives a broad overview of OE:
Open Enrollment Overview Video
Medical
Medical Video
2027 Medical Rates:
Employer pays 91% of individual coverage and 82% of family coverage
$131.62/month Individual Employee share
$611.39/month Family Employee share
- Plan Design
- Deductibles
- Out of Pocket
- Coinsurance tier 1 (enhanced network)
- Rx formulary name change
Dental
Dental Video
2027 Dental Rates:
$54.11/month per employee (employer paid if full-time)
$64.96/month for a spouse
$44.95/month for one child
$113.95/month for family (2 or more dependents)
Flexible spending Accounts (FSA)
FSA Video
The federal government has not yet officially released the FSA maximum amounts for 2027. However, experts in the field and early indicators suggest the below maximums are anticipated. The government releases the cap in November, if you elect FSA and the maximum allowable amount changes YOU WILL BE CONTACTED.
- Medical FSA = $3,500 per participating employee
- Dependent Care FSA = $7,500 per tax return ($3,750 for MFS filing status)
- Adoption FSA = $18,250 per child
Premium Deduction Schedule
Premium Schedule
Short Term Disability Rates
Short term disability rates are decreasing by 10% in 2027, use the calculator on the disability page to see your new rates - Disability Insurance. New enrollments are still subject to medical underwriting (EOI).