2027 EMPLOYEE BENEFITS · Open enrollment: November 17–27, 2026

YOUR 2027 BENEFITS, ALL IN ONE PLACE

For your health.
Your family.
Your next chapter.

Make sense of your options, find the support you need, and feel confident about your benefits.

BENEFITS HELP, WHEN YOU NEED IT

Higginbotham Employee
Response Center.

Get help with benefits information, enrollment, eligibility, and claims or billing questions.
Call or text 866-890-6763
Text the ERC · Email the ERC
ERC hours and contact details →

Open enrollment: November 17–27, 2026
Active enrollment: submit your elections in Rippling by November 27 for January 1, 2027 coverage.

Enrollment instructions, costs & UHC resources →
Read the 2027 benefits guide ↗

YOUR 2027 BENEFITS, EXPLAINED

Watch your benefits overview.

Get an overview of your 2027 benefits. Watch here, or open the presentation in a separate tab for a larger view.

Having trouble viewing the presentation?

A LITTLE MORE PEACE OF MIND

Benefits for your everyday.

Medical & pharmacy

Compare your three 2027 medical options and the updated HDHP deductible.

Dental

Compare your Base and Buy-Up dental options.

Vision

Compare your 2027 Low and High vision plans.

Life & AD&D

Explore basic and supplemental protection.

Disability

Understand short-term income protection.

Supplemental benefits

Accident, critical illness, and hospital indemnity.

HSA & spending accounts

Review Rippling HSA funding and your Health Care, Limited Purpose and Dependent Care FSA options.

Pet insurance

Nationwide coverage for dogs, cats, birds and exotic pets. Plans are unchanged for 2027.

Your 2027 medical benefits are ready to compare.
The comparison includes medical premiums and HSA funding. Compare 2027 medical plans →
View enrollment, benefit costs and UHC resources →
Issued 2027 SBCs will be added when available.

A LITTLE CLARITY GOES A LONG WAY

A few answers to get started.

How can the Higginbotham Employee Response Center help me?

The Higginbotham Employee Response Center (ERC) helps with benefits information, enrollment, eligibility questions, and claims or billing questions. Call or text 866-890-6763 or email the ERC. Bilingual representatives are available. View ERC hours and contact details →

Where can I find my 2026 information?

Your current-year information remains available on the original 2026 benefits website ↗, including the searchable 2026 FAQ. Always check the plan year.

Where are the 2027 medical summaries and SBCs?

The 2027 medical comparison includes confirmed benefits, premiums and HSA funding. Original 2026 SBCs remain clearly labeled references; issued 2027 SBCs will be added when received.

When and where do I enroll?

Open enrollment is November 17–27, 2026. This is active enrollment: submit your elections in Rippling by November 27 for coverage beginning January 1, 2027. See enrollment instructions and costs →

Why are premiums based on 24 deductions?

Employees are paid biweekly. Insurance premiums are deducted from 24 paychecks each year, with no insurance deduction from the third paycheck in a three-paycheck month.

Where can I find UHC claims and EAP resources?

Open the support and resource page for UHC welcome guides, the wellness claim form and Member Assistance Program information.