What You Need to Know for 2027

We recognize that many employees are paying close attention to their finances, and healthcare costs are an important part of that picture.

For 2027, employee contributions for medical coverage and medical plan deductibles will increase. While CSL will continue to absorb a significant portion of rising healthcare costs and provide comprehensive coverage, some of those increases will be reflected in what you pay through monthly contributions and out-of-pocket costs.

Before Annual Enrollment, review the updated plan details and your monthly contributions on Benefits In-Site so you understand what the changes mean for you and your family.

New Telehealth Provider

Starting in 2027, telehealth services will move from Teladoc Health to Accolade Care. 

While the provider is changing, you’ll continue to have convenient access to virtual care for everyday health needs, including urgent care, preventive care, chronic conditions and mental health care. Accolade Care makes it easy for you and your eligible dependents to get high-quality, affordable care from your computer or mobile device. Prescriptions can be sent to your preferred pharmacy, and a care team is available 24/7 to support you.

Accolade Care also allows you to:

• Schedule virtual appointments with board-certified primary care physicians 
• View visit summaries, lab results and other care information online
• Connect with the same providers over time when available

If you’re currently using a Teladoc provider as your primary care doctor, transition services will be available to make the change as seamless as possible. 

Change to Medical Plan Deductibles

Medical plan deductibles will increase across all plans next year. Here are the deductibles for 2027.

Save More in Your Health Savings Account (HSA)

If you’re enrolled in the High Deductible Health Plan (HDHP) with Health Savings Account (HSA), you can use your HSA to pay for eligible healthcare expenses with pretax dollars. This can help reduce your healthcare costs and lower your taxable income. 

For 2027, you can contribute up to $4,500 if you have employee-only coverage and up to $9,000 if you cover at least one dependent. If you’re 55 or older, you can contribute an additional $1,000.

These limits include CSL’s contribution of $500 for employee-only coverage and $1,000 if you cover one or more dependents. CSL’s contribution is deposited throughout the year in equal installments each pay period.

Important: You must accept the HSA terms and conditions during Annual Enrollment to receive CSL’s HSA contribution.

Protect Your Identity, Finances and Digital Life with Aura Identity & Fraud Protection

Beginning in 2027, MetLife and Aura will replace Allstate as our identity theft protection provider. Aura provides all-in-one identity and fraud protection that monitors your personal information, credit, financial accounts and devices for suspicious activity and alerts you to potential threats. You’ll also have access to digital security tools such as antivirus protection, VPN/Wi-Fi security and a password manager.

If you enroll in the upgraded family plan, you'll have access to Life360, the leading family location tracking and real-world safety app.

To get the most from your CSL resources, explore them before you enroll October 26–November 6, 2026. Here are the main programs to focus on.

Benefits for Your Health

Medical

CSL offers a range of medical plans to meet your and your family’s diverse needs. You have three medical plans to choose from as part of the UMR network. All plans cover in-network preventive care at 100%.

• Basic Plan: Offering a traditional PPO structure with prescription drug copays, this plan has the lowest per-paycheck contributions and highest deductible of the plans.
• HDHP with Health Savings Account (HSA): This high-deductible plan paired with a tax-advantaged HSA offers lower paycheck contributions and gives you greater control over your healthcare dollars. With this plan, you pay coinsurance for prescription drugs rather than copays.
• Premium Plan: This plan offers more comprehensive coverage, lower out-of-pocket costs when you receive care, and prescription drug copays. It may be a good fit for those who prefer more predictable expenses.

Dental

Choose from two Aetna dental plan options: the Premium Dental Plan and the Base Dental Plan. Both cover preventive care services, including routine exams and cleanings, at 100%.

Vision

CSL offers two vision plans. The Base Plan covers an eye exam at 100%, plus discounts on other products. The Premium Plan gives you a $200 annual allowance for frames or a $200 annual allowance for elective contact lenses.

Voluntary Supplemental Insurance

Accident, critical illness and hospital indemnity insurance are optional plans that reimburse you directly if you experience a covered event, no matter what your medical plan pays. You can use the money however you want, including for medical expenses your medical plan doesn’t cover, transportation, meals, housekeeping, rent or mortgage and more.

Financial Support for Today and Tomorrow

Fidelity Financial Guidance

Along with managing your 401(k), Fidelity offers financial wellness tools to help you see your full financial picture, make informed decisions and feel confident about your future. These include budgeting tools, debt management resources, personalized financial coaching and educational workshops.

Accolade Health Assistants

If you’re enrolled in a medical plan, Accolade Health Assistants, can help you save money and make more confident healthcare decisions by finding cost-saving opportunities, choosing the right benefits, understanding bills and claims, and locating in-network providers.

Life and AD&D Insurance

You automatically receive a basic level of life and accidental death and dismemberment (AD&D) insurance, paid for by CSL. During Annual Enrollment, you can add protection for your family by buying supplemental and dependent coverage for life, AD&D or both in specific increments.

Legal Services

Enroll in legal services from MetLife Legal Plans for convenient, affordable access to a network of attorneys. They can help you and your eligible family members with a wide range of legal matters, from family issues to home ownership and identity theft. 

Wellbeing Tools for Everyday Life

CSL offers several wellbeing resources to support your emotional and physical health.

• Through Lyra, you, your spouse/domestic partner and everyone in your household each get eight therapy or coaching sessions a year at no cost. Continued care is covered as in-network mental health care under all CSL medical plans.
• Use the Headspace app at no cost for support with meditation, sleep, movement and focus.
• With Personify Health, get personalized help setting and tracking health goals. Full-time employees can earn up to $400 per year as you make progress.

Care@Work

Offering 20 backup care days per year, Care@Work gives you child and elder care support at a moment’s notice. You can also exchange your backup-care benefit for dog-walking or pet-sitting services through Rover.com. You do not need to be enrolled in a CSL medical plan to use this benefit, but you must register on the Care@Work site.

Finished your research and ready to enroll? Here are your next steps!

Between October 26 and November 6, 2026, log on to Benefits In-Site and complete these steps:

1. Review your options and choose your 2027 coverage. Use the Benefits Cost Comparison tool and the CVS Check Drug Cost tool on Benefits In-Site to determine which medical plan is best for you.
2. Decide how much to contribute to a 2027 Health Savings Account (if you’re enrolling in the HDHP with HSA plan) or Flexible Spending Account.
3. Confirm that all covered dependents and beneficiaries are up to date.
4. Update or enroll in any other CSL health and financial protection benefits.

New to Benefits In-Site? Click New user? and provide the requested information to set up your username and password. Then log on to review your benefit options and access other tools.

Questions?

For help deciding on your benefits: An Accolade Health Assistant can help you compare medical plan options, explain different levels of coverage, verify network coverage and discuss which plan is right for you and your family. Call 877-727-0903 or visit the Accolade website.

For help with enrollment: Call the CSL Behring Benefits Center at 844-888-BNFT (2638). Representatives are available Monday through Friday, 8 a.m. to 8 p.m. ET.

• Your current medical, prescription drug, vision and dental coverage, as well as your financial protection benefits, will continue for plan year 2027.
• If you’re enrolled in a medical plan, you won’t receive a new ID card. If you need a new ID card, contact Accolade.
• Your Flexible Spending Account and Health Savings Account contributions will not continue. You must take action to contribute to these accounts and receive the HSA employer contribution.

Even if you aren’t making any changes, review your options and confirm your covered dependents and coverage levels.

If you don’t act now, you’ll have to wait until the next Annual Enrollment period to update your benefits, unless you experience a qualified life event, such as getting married or having a baby.

Learn more about what's changing for 2027, find out how to choose the best health care plan for your situation, review the steps to enroll and more.