Open Enrollment
Open Enrollment for 2027 benefits is November 2–15, 2026.
This is your annual opportunity to enroll in or make changes to these benefits:
- Medical, dental, and vision insurance
- Flexible Spending Accounts (FSA)
- Health Savings Accounts (HSA)
- Life insurance
- Disability
- Supplemental accidental death and dismemberment (AD&D) insurance
- Accident, critical illness, and hospital indemnity insurance
- Legal Assistance and Identity Theft Program
- Other company perks and programs
If you don’t do anything during Open Enrollment, your current benefits will continue in 2027 except FSAs – if you want an FSA in 2027, you must actively enroll during Open Enrollment.
Enrollment Guides & Resources
Need Help?
Call 800-489-1390 if you have questions about your benefits or how to enroll.
How to Enroll
When you’re ready to enroll or make changes, visit https://access.paylocity.com/.
Documentation for Dependents
If you’re enrolling dependents, you may need to provide this documentation:
- Marriage certificate
- Birth or adoption certificate
If you’re enrolling in or increasing supplemental life and AD&D insurance coverage for yourself or dependents, you may need to provide Evidence of Insurability.
Additional Step for Recent New Hires
If you’re hired during Open Enrollment, you’ll need to enroll twice: first for the current plan year, then again for 2027.
What’s New and Changing in 2027
Plan Costs (Semi-Monthly)
2027 Medical Rates (Semi-Monthly)
Plan Cost (Semi-Monthly)
Kaiser HMO
Full-Time
Employee Only: $105.00
Employee + One: $287.00
Employee and Family: $454.00
Part-Time
Employee Only: $145.00
Employee + One: $445.00
Employee and Family: $661.00
Kaiser HDHP with HSA
Full-Time
Employee Only: $0.00
Employee + One: $100.00
Employee and Family: $224.00
Part-Time
Employee Only: $104.00
Employee + One: $275.00
Employee and Family: $448.00
Sutter Health Plus
Full-Time
Employee Only: $108.00
Employee + One: $296.00
Employee and Family: $494.00
Part-Time
Employee Only: $155.00
Employee + One: $470.00
Employee and Family: $703.00
Sutter Health Plus HDHP with HSA
Full-Time
Employee Only: $0.00
Employee + One: $105.00
Employee and Family: $237.00
Part-Time
Employee Only: $110.00
Employee + One: $293.00
Employee and Family: $473.00
2027 Dental Rates (no changes from 2026)
Plan Cost (Semi-Monthly)
Delta Care USA HMO
Full-Time
Employee Only: $0.00
Employee + One: $5.00
Employee and Family: $10.00
Part-Time
Employee Only: $5.00
Employee + One: $11.00
Employee and Family: $15.00
Delta Dental PPO
Full-Time
Employee Only: $12.50
Employee + One: $26.00
Employee and Family: $36.00
Part-Time
Employee Only: $23.00
Employee + One: $36.50
Employee and Family: $51.50
2027 Vision Rates (no changes from 2026)
Plan Cost (Semi-Monthly)
Guardian Vision Plan
Full-Time
Employee Only: $0.00
Employee + One: $0.00
Employee and Family: $0.00
Part-Time
Employee Only: $0.00
Employee + One: $0.00
Employee and Family: $0.00
Contribution Limits
Flexible Spending Accounts (FSA)
In 2027, you can contribute up to:
- Health Care or Limited Purpose FSA – $3,500 (pending IRS approval)
- Dependent Care FSA – $7,500 per household per year
Health Savings Account (HSA)
In 2027, you can contribute up to:
- Individual medical coverage: $4,500 per year
- Family medical coverage: $9,000 per year
SF SPCA employer contributions:
- Full-Time Employees (30+ hours per week): $700 annually for employee-only coverage; $1,400 annually for employee + dependents coverage
- Part-Time Employees (20–29 hours per week): $350 annually for employee-only coverage; $700 annually for employee + dependents coverage
Commuter Benefits
In 2027, you can contribute up to:
- Parking – $350 per month (pending IRS approval)
- Public Transportation – $350 per month (pending IRS approval)
What’s new and changing in 2027
Our benefits are an important part of your overall compensation, supporting your health, financial well-being, and life outside of work. At the SF SPCA, maintaining a diverse, meaningful benefits package remains a priority, and we’re pleased to share what’s changing for 2027.
Kaiser vision coverage
The optical allowance through the Kaiser HMO plan is being replaced with the enhanced vision benefit through Guardian. If you’re enrolled in the Kaiser HMO, you’ll need to enroll in Guardian Vision to have vision coverage. Guardian includes a $200 frame allowance every 24 months.
HDHP deductibles
The annual deductible for an individual covered under the Kaiser or Sutter High Deductible Health Plan (HDHP) will increase from $3,400 to $3,500. This change is required under IRS guidelines.
Ready to enroll?
Before you enroll, see what’s new and changing for the next plan year. There may be changes that are important to you.
You have until 11:59 p.m. on November 15th to enroll or make changes. As a reminder, if you do nothing by the deadline, all your current benefits except FSAs and Kaiser Vision will continue in 2027.