Open Enrollment
Open Enrollment for 2027 benefits is October 26 through November 6, 2026.
This is your annual opportunity to enroll in or make changes to these benefits:
- Medical, dental, and vision insurance
- Flexible spending accounts (FSAs)
- Supplemental life insurance
- Supplemental accidental death and dismemberment (AD&D) insurance
- Accident, critical illness, and hospital indemnity insurance
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 in one during Open Enrollment.
Rightway Overview Webinar
LearnLux - Talk to a Financial Planner
As you start to look at your specific benefit options, consider how much each will cost, whether it fits in your budget, and if it is a match with your financial goals and priorities.
With LearnLux, your financial well-being benefit, you can learn about HSAs, FSAs, insurance, and more.
Have a benefits question or need help getting set up for financial success? Schedule a 30-minute call by video or phone with a Certified Financial Planner at no cost to you. Or start a live chat to ask a quick question. Your Planner will provide unbiased guidance in a judgment-free way.
Select Book Call within your LearnLux portal.
Need Help?
Call 877-408-6430 if you have questions about your benefits or how to enroll.
How to Enroll
When you’re ready to enroll or make changes, visit Workday.
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
What’s new or changing for 2027?
The pharmacy benefits manager for our Aetna medical plans is changing
We’re adding a Cancer Support Program
Rakuten is partnering with Color Health to offer cancer support for employees and your families. Color provides access to virtual, cancer-focused clinical care and support throughout the cancer journey, from screening and diagnosis to treatment and survivorship.
Our Dental and Vision plans are getting an enhancement
Beginning in 2027, Rakuten is adding two programs to our dental plan to provide extra support for eligible members:
SmileWay Wellness Benefits: Members with certain qualifying chronic conditions may be eligible for additional coverage for periodontal treatment and up to four extra cleanings or related procedures per year. Qualifying conditions include diabetes, cancer, heart disease, chronic kidney disease, and rheumatoid arthritis.
Next Stage Women’s Health: This program offers enhanced dental benefits for eligible members during pregnancy and menopause, when oral health needs may change. Benefits include additional oral exams, cleanings and related procedures, bitewing X-rays, and fluoride treatments, along with access to partner services for women’s health and menopause support.
For the VSP Vision plan, the in-network allowance for contact lenses is increasing to $150 per year.
We’re rolling out Hospital Indemnity insurance
Hospital indemnity insurance pays a cash benefit if you’re admitted to a hospital for a covered stay. You can use the benefit to help with out-of-pocket medical costs or other expenses, giving you added financial support when you need to. This is an employee-paid benefit.
Spending Account Updates
HSA contribution limits are increasing. You can contribute $4,500 for individual coverage (up from $4,400 in 2026) or $9,000 for family coverage (up from $8,750 in 2026). Team members who will be 55 or older by the end of the 2027 calendar year can contribute an additional $1,000 per year. These limits include Rakuten’s contribution.
Healthcare and Limited Purpose Flexible Spending Account (FSA) maximums will increase to $3,500 (up from $3,400). Additionally, the carryover of unspent funds will increase to $700 for funds remaining at the end of 2027.
Commuter (parking and transit) benefit maximums will increase to $350 per month (up from $340).
Per Pay Period Plan Costs
2027 Medical Rates
Aetna PPO
Employee Only: $100
Employee and Spouse/DP: $280
Employee and Children: $235
Employee and Family: $425
Aetna HDHP
Employee Only: $30
Employee and Spouse/DP: $105
Employee and Children: $85
Employee and Family: $165
Kaiser HMO
Employee Only: $100
Employee and Spouse/DP: $280
Employee and Children: $220
Employee and Family: $350
2027 Dental Rates
Delta Dental PPO
Employee Only: $5
Employee and Spouse/DP: $15
Employee and Children: $15
Employee and Family: $30
2027 Vision Rates
VSP Vision
Employee Only: $1
Employee and Spouse/DP: $2
Employee and Children: $2
Employee and Family: $3.50
Contribution Limits
Flexible Spending Accounts (FSA)
In 2027, you can contribute up to:
- Health Care or Limited Purpose FSA – $3,500
- Dependent Care FSA – $7,500
Health Savings Account (HSA)
In 2027, you can contribute up to:
- Individual medical coverage – $4,500
- Family medical coverage – $9,000
The contribution from Rakuten remains:
- Individual medical coverage – $1,000
- Family medical coverage – $2,000
Commuter Benefits
In 2027, you can contribute up to:
- Parking – $350
- Public Transportation – $350
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 November 6, 2026 to enroll or make changes. As a reminder, if you do nothing by the deadline, all your current benefits except FSAs will continue in 2027.