important information
The 2027 Benefits Open Enrollment period is October 28–November 13, 2026. This is your annual opportunity to review your benefits and make changes to your elections for the 2027 calendar year. Any changes you make during Open Enrollment will take effect January 1, 2027.
- Please review the 2027 Changes section below for details on what’s new for 2027. Please note that there will be a medical plan carrier change from Collective Health/Blue Shield to Aetna for the CDHP, PPO 500, and In-Network medical plans.
- The majority of your current benefits will automatically carry forward into 2027. However, you must actively elect the Flexible Spending Account (FSA) and Dependent Care Reimbursement Account (DCRA) each year if you wish to participate.
- There will be no changes to employee premiums for any benefits in 2027. See the Contribution Rate Sheet found in the Materials section. Although healthcare trend has continued to increase for our population and across the industry, ABK has decided to absorb those costs.
How to Navigate the OE Site
- 2027 Changes - Review what's changing for 2027.
- Enrollment - Visit this section to learn how to review, enroll, or make changes to your benefits for 2027.
- Materials - Find the 2027 Benefits Guide, Contribution Rate Sheet, Important Notices, and other helpful OE resources.
- Support - Visit this section to get additional support with reviewing your benefits, completing enrollment, or making benefit decisions.
- Webinars - Attend informational sessions with Aetna, Centivo, Kaiser, HealthEquity, Spring Health, and the ABK Benefit Team to learn more about your benefits and the 2027 Open Enrollment.
2027 changes
Below are the benefit changes and enhancement taking effect January 1, 2027.
Medical Carrier Change
The CDHP, PPO 500, and In-Network medical plans that are currently administered by Collective Health/Blue Shield will be administered by Aetna as of January 1, 2027. The plan designs are largely the same. There are a few enhancements noted below, along with the CDHP deductible increase (determined by the IRS).
- Provider network: There will be minimal network disruption with the carrier change. 98.1% of employees and their families currently use in-network providers, and with Aetna, 97.7% will have in-network providers. To verify whether your provider is in-network, please use the links below:
- Transition of care: Employees and families that will be losing an in-network provider and are receiving active treatment, may submit a continuity of care form. Once reviewed and approved by Aetna, that out-of-network provider will be covered at the in-network rate for up to 90 days. Please note that due to the timing of data file transfers, requests cannot be submitted until December 15. Decisions will be rendered after January 1 due to the effective date of the Aetna plans.
- Prior authorizations will be loaded beginning in mid-December. Members can contact Aetna at 1-877-700-0144 for status updates. Please note that this will only include approved, non-expired prior authorizations. If your prior authorization expires at the end of December, for example, that would not be transferred over. Through the Aetna app and website, you will now have visibility into your prior authorization status.
- Care management: Aetna has specialists on staff to help employees and their families find the right care. Their clinical support staff specialize in maternity and NICU needs, behavioral health, gender affirming care, and other complex conditions. If you have an open complex clinical case with Collective Health, you can expect to receive outreach from Aetna beginning in January.
- Access: You and your family members will be able to register for the Aetna app and website beginning in December. If you are a new enrollee and are hired between October and December, please note that your ability to register will be dependent upon your completed 2027 enrollment in Workday.
CVS Caremark will remain our pharmacy benefit manager, so there will be no disruption to pharmacy benefits. Card details will change (such as the BIN number) on January 1, so please be sure to use your new medical ID card. If your card does not arrive in time in the mail, please download the Aetna app to access your digital card. As a reminder, the formulary list changes on a quarterly basis.
CDHP medical plan – The following services will be covered before you meet the deductible, which means you will pay less out of pocket from day one:
- Telehealth visits through Doctor on Demand
- Over-the-counter contraceptives - including birth control, emergency contraception, and male condoms, with or without a prescription
- Breast cancer screenings for individuals who have not previously been diagnosed with breast cancer
- Diabetes management supplies and medications, including continuous glucose monitors and insulin products such as vials, pumps, and inhalers
PPO 500 and In-Network medical plans – The following urgent behavioral health and substance use care will have a reduced cost share, aligning with primary care cost share. This will align the plans with how the CDHP is set up today:
- PPO 500: Cost share will decrease from $50 to $20
- In-Network: Cost share will decrease from $50 to $20
All Medical Plans
Removal of the $40 monthly tobacco surcharge.
Vision Plan
Eyeglass frame allowance will increase from $150 to $200.
Mental Health
- Spring Health counseling and coaching sessions will increase from 10 to 12 sessions per year per person.
- Specialty Care (NEW!) – Support with finding and coordinating care for more than 50 conditions.
ID Cards
New ID cards should arrive by January 1, 2027. If you are a new hire and complete Open Enrollment after November 13, please note that your ID cards may be slightly delayed. For quicker access, please download the applicable vendor apps to access your ID card digitally.
- Medical:
- Everyone enrolled in the CDHP, PPO 500, and In-Network plans will receive a new card from Aetna. Cards will reference “Activision Blizzard King” and will have the Benefits for Every World logo on them.
- Everyone enrolled in the Centivo EPO plan will receive a new ID card from Centivo. Card details will be changing.
- Only new enrollees or those with a name or date of birth change will receive an ID card from Kaiser.
- Dental:
- Everyone enrolled in the ABK dental plans with Delta Dental will receive new ID cards and welcome kits. Card details will be changing.
- Vision:
- VSP vision plan information was previously provided on cards issued by Collective Health, however VSP does not issue cards themselves, thus plan members will move to a cardless experience effective January 1, 2027. Vision providers will be able to verify your insurance information using your personal details.
Limit Updates
- CDHP deductible
- Due to IRS regulation, the CDHP deductible will increase to $1,750 for employee only coverage, and $3,500 for family coverage.
- Benefit accounts:
- Health Savings Account (HSA) maximum contributions will increase to $4,500/$9,000 (single/family coverage).
- Limits have not yet been announced for Health, Dependent Care, and Commuter Accounts. We will share more information once available.
Retirement 401(k) Plan Through Fidelity
- Employees will have access to Fidelity’s Financial Wellness platform, which includes a financial wellness checkup, help navigating life events, and additional tools and resources.
- Limits have yet to be announced for the 401(k) plan but we will share more information once available.
MetLife Legal Plan
Eligibility will be expanding to include TEAs and Interns!
Fitness Membership with Wellhub
November 2-16, take advantage of a $50 discount off all Wellhub plans for the months of November and December! Enroll by November 16 to take advantage of the limited time offer.
enrollment
- Review your current 2026 elections now:
- Go to Workday (must be on the company network for SSO)
- Find Personal (left side menu) > Benefits and Pay
- Expand the Benefits menu to select “Benefit Elections”
- Change your elections (effective date of January 1, 2027) starting Wednesday, October 28. Please note that there will be a Workday blackout from October 30 at 1 PM PT until November 1 at 3 PM PT:
- Go to Workday (must be on the company network for SSO)
- On your Workday homepage, locate “Open Enrollment Change” event under your To Do.
- Select the event and click “Let’s Get Started” to begin your enrollment.
- Benefits enrollments are complete when you reach the Submitted page that states “You’ve submitted your elections.”
- Need help enrolling? Schedule a 1:1 meeting with a Benefit Communication Specialists (must be on the company network to schedule).
support
- For questions, ask SupportBot in SupportDesk or browse our helpful benefits articles in SupportDesk.
- To make informed decisions, especially if you have a spouse or domestic partner, consider connecting with a Money Coach through our financial well-being program partner, My Secure Advantage (MSA). They can help you evaluate your choices, including health insurance plans, disability coverage, and voluntary benefits. Use this Open Enrollment period as an annual financial checkup to secure your financial well-being. For more assistance, visit MSA today.
- Schedule a 1:1 meeting (must be on the company network) with a Benefits Communication Specialist for a comprehensive benefits review and help with enrolling in Workday.
- Call Aetna at 1-877-700-0144 with specific medical questions on our CDHP, PPO 500, and In-Network plans beginning October 28.
- Submit a Benefits SupportDesk ticket if you can’t find answers.
webinars
The recording and a copy of the slides for each webinar will be available within 24–48 hours after the webinar concludes.
ABK Benefits Team 2027 Open Enrollment Review - Join the ABK Benefits team for a walkthrough of the 2027 benefits, including important changes and key reminders to help you stay informed, prepared, and ready to make the most of your benefits. We will cover the transition to Aetna for the CDHP, PPO 500, and In-Network plans for 2027 if you are unable to attend one of the dedicated Aetna webinars.
Aetna Transition for In-Network, CDHP, and PPO Medical Plans - Aetna will walk through what the carrier change means for the In-Network, CDHP, and PPO 500 medical plans.
Centivo EPO Medical Plan Overview - Join the Centivo team for a walkthrough of the design and key features of the Centivo EPO medical plan. Please note, this plan is available to certain zip codes in Southern California, CT, NY metro area, NJ, and PA. Check the network here.
Kaiser HMO Medical Plan Overview - The Kaiser team will review the design and key features of the Kaiser HMO medical plan. Please note, this plan is available to certain zip codes in Northern and Southern California.
HealthEquity: HSA, FSA, HRA, and DCRA - Join HealthEquity for an informative review of your 2027 tax savings account-based benefits for Health Savings Account (HSA), Flexible Spending Account (FSA), Health Reimbursement Account (HRA), and Dependent Care Reimbursement Accounts (DCRA). Learn how each account works, key differences, eligible expenses, and important reminders to help you make informed decisions and maximize your benefits.
Spring Health Overview - As Open Enrollment comes to a close, the year winds down, and the holidays approach, take some time to learn more about the resources available to support your well-being. Join Spring Health for an informative webinar highlighting their offerings, helpful resources, and ways to make the most of your mental health benefits as you head into the new year.