Your needs may change from year to year, and your benefits should keep pace. Open Enrollment is your annual opportunity to explore what’s new in 2027, compare your options, and make sure your coverage still fits you, your family, and your budget.
This year’s Open Enrollment is passive, meaning if you take no action, most of your current benefit elections will automatically roll over into 2027. However, Flexible Spending Accounts (FSAs) require new elections each year—they won’t carry over.
Open Enrollment is a perfect time to review your coverage and make sure it fits your needs.
IMA benefits are available to:
You may also cover an eligible spouse or partner, including opposite-sex or same-sex spouses, common-law spouses, civil union partners, or domestic partners.*
Eligible dependent children may be covered up to age 26, regardless of employment, marital, student, or financial dependency status.*
*Additional paperwork may be required to verify spouse, partner, or dependent eligibility. Eligibility varies by benefit.
Join an Open Enrollment meeting to hear what’s new and get answers to your questions. Can’t make it? A recording will be available after the session.
| Date | Time | Link |
|---|---|---|
| October 15, 2026 | Noon–1 p.m. CT | Registration Link |
| October 16, 2026 | Noon–1 p.m. CT | Registration Link |
Every year, we take a fresh look at our benefits to make sure they’re delivering real value for you and your family. As healthcare costs rise, we’re making a few updates designed to keep coverage affordable and ensure our plans continue to meet the needs of all associates across IMA.
For 2027, updates include changes to medical costs, expanded cancer support, and new ways to save on prescriptions. Start with these highlights, then compare your coverage and paycheck costs below.
Medical premiums are increasing for 2027, and IMA will continue covering most of the cost. Compare your paycheck cost and IMA’s contribution below.
Annual deductibles and out-of-pocket maximums (OOPM) have increased for these plans:
Blue Option PPO
Deductible: $1,500 Indiv./$3,000 Family
OOPM: $4,500 Indiv./$9,000 Family
Green Option QHDHP
Deductible: $3,500* Indiv./$7,000* Family
OOPM: $3,500 Indiv./$7,000 Family
*Green Option QHDHP deductible increase is an IRS requirement.
Weight loss medication will no longer be covered on the Blue and Green option medical plans. GLP-1 prescriptions for eligible medical conditions, such as diabetes, may still be covered when plan requirements are met. Review the updated prescription information before making your medical plan election.
Lantern is expanding its support to include cancer care, with expert guidance, help connecting with specialists, and care coordination from start to finish.
IMARx is a voluntary pharmacy advocacy program that helps eligible associates and covered family members get certain specialty and high-cost brand-name medications at $0 out-of-pocket cost through the program. The program is available to associates enrolled in the Blue or Green Option Plan. If enrolled in the Green Option Plan, eligibility begins after the deductible is met.
To get started, contact IMARx to check whether your medication qualifies and request an online Rx Intake Form. Participation is voluntary; you may leave the program by notifying your advocate.
Call 866-530-9989 or email IMARx@imacorp.com.
There are no changes to dental, vision, or supplemental benefits. For these plans, premiums will remain the same for 2027, unless you’re enrolled in supplemental benefits and you move to a higher age band during the year.
Choose a plan to compare coverage, prescription benefits, and costs. Medical coverage summaries below reflect in-network care.
A lower deductible with more predictable costs when you receive care.
| Key plan feature | 2027 |
|---|---|
| Individual deductible | $1,500 |
| Family deductible | $3,000 |
| Individual out-of-pocket maximum | $4,500 |
| Family out-of-pocket maximum | $9,000 |
| Preventive care | Covered in full |
| Primary care visit | $25 copay |
| Specialist visit | $50 copay |
| Lantern (surgery care) | 0% after deductible |
| Infertility services | $20,000 lifetime max* |
| Healthcare FSA eligible | Yes |
| Prescription coverage | See details |
*Includes coverage for IVF, GIFT and ZIFT.
The 2027 prescription drug plan coverage for the Blue Option PP is:
| Prescription drugs | Retail (up to a 30-day supply) | Mail order (up to a 90-day supply) |
|---|---|---|
| Generic | $10 copay | $25 copay |
| Brand Formulary | $30 copay | $75 copay |
| Non-Preferred Brand Formulary | $60 copay | $150 copay |
| Specialty/Self-Injectables | $0 copay when using PrudentRx | Not covered |
IMARx is a voluntary pharmacy advocacy program that helps eligible associates and covered family members get certain specialty and high-cost brand-name medications at $0 out-of-pocket cost through the program.
Medical premiums will increase for 2027, but you are not paying the full cost of your coverage. IMA will continue paying a significant share of the total premium.
| Coverage level | you pay per pay period | IMA pays per pay period | per pay period total |
|---|---|---|---|
| Associate only | $97.00 | $383.17 | $480.17 |
| Associate + spouse | $267.00 | $789.37 | $1,056.37 |
| Associate + child(ren) | $210.00 | $654.32 | $864.32 |
| Family | $365.00 | $1,123.53 | $1,488.53 |
For the Blue and Green Options, AmeriBen administers your medical benefits and Anthem provides the network. Your ID card may show both names. Here’s where to start:
Contact AmeriBen at 1.877.379.4835 with questions about your coverage, network, claims, deductible, out-of-pocket balance, or ID card.
Your plan uses Anthem’s nationwide network of doctors, hospitals, and other healthcare facilities. That’s why Anthem appears on your ID card and providers may refer to your coverage as Anthem.
Use AmeriBen Engage to search the Anthem network and confirm that a provider participates before receiving care.
Lower premiums than the Blue Option, HSA access, and more responsibility for costs before you meet the deductible.
| Key plan feature | 2027 |
|---|---|
| Individual deductible | $3,500 |
| Family deductible | $7,000 |
| Individual out-of-pocket maximum | $3,500 |
| Family out-of-pocket maximum | $7,000 |
| Plan pays after deductible | 100% |
| Preventive Care | Covered in full |
| Lantern (surgery care) | 0% after deductible |
| Infertility services | $20,000 lifetime max* |
| HSA eligible | Yes |
| IMA’s HSA contribution | $500 Individual / $1,000 Family |
| Limited Purpose Healthcare FSA eligible | Yes |
| Prescription coverage | See details |
*Includes coverage for IVF, GIFT and ZIFT.
The 2027 prescription drug plan coverage for the Green Option QHDHP is:
| Prescription drugs | Retail (up to a 30-day supply) |
Mail order (up to a 90-day supply) |
|---|---|---|
| Generic | 0% after deductible | 0% after deductible |
| Brand Formulary | 0% after deductible | 0% after deductible |
| Non-Preferred Brand Formulary | 0% after deductible | 0% after deductible |
| Specialty/Self-Injectables | Not covered | Not covered |
IMARx is a voluntary pharmacy advocacy program that helps eligible associates and covered family members get certain specialty and high-cost brand-name medications at $0 out-of-pocket cost through the program. The program is available to associates enrolled in the Blue or Green Option Plan. To preserve HSA eligibility under the Green Option Plan, $0 out-of-pocket coverage through IMARx begins only after the plan deductible has been met.
A higher deductible is only part of the picture. The Green Option combines lower premiums than the Blue Option with an HSA that you and IMA can fund. Consider your paycheck costs, the care you expect to use, and what you can set aside for eligible expenses.
$0 preventive medications
Some preventive medications, such as drugs for asthma, diabetes, and high blood pressure may be covered at 100%. Check to see if your medication is on the list.
| See the potential value | Annual amount |
|---|---|
| Your Annual Premium Costs for the Green Option QHDHP | $1,248–$4,800 |
| Annual Premium Savings Compared with the Blue Option | $1,080–$3,960 |
| IMA HSA contribution | Up to $500 individual / $1,000 family |
| Premium savings plus IMA HSA funding | Up to $1,580–$4,960 |
Amounts vary by coverage level. Based on 24 pay periods. Savings do not guarantee lower total healthcare costs
Medical premiums will increase for 2027, but you are not paying the full cost of your coverage. IMA will continue paying a significant share of the total premium.
| Coverage level | you pay per pay period | IMA pays per pay period | per pay period total | IMA’s HSA contributions per pay period |
|---|---|---|---|---|
| Associate only | $52.00 | $402.05 | $454.05 | Up to $500 |
| Associate + spouse | $165.00 | $833.89 | $998.89 | Up to $1,000 |
| Associate + child(ren) | $128.00 | $689.28 | $817.28 | Up to $1,000 |
| Family | $200.00 | $1,207.53 | $1,407.53 | Up to $1,000 |
For the Blue and Green Options, AmeriBen administers your medical benefits and Anthem provides the network. Your ID card may show both names. Here’s where to start:
Contact AmeriBen with questions about your coverage, claims, deductible, out-of-pocket balance, or ID card.
Your plan uses Anthem’s nationwide network of doctors, hospitals, and other healthcare facilities. That’s why Anthem appears on your ID card and providers may refer to your coverage as Anthem.
Use AmeriBen Engage to search the Anthem network and confirm that a provider participates before receiving care.
Available to eligible California associates. This plan has no deductible and uses the Kaiser network. A primary care physician coordinates your care, and referrals are generally required for specialist care.
| Key plan feature | 2027 |
|---|---|
| Individual deductible | None |
| Family deductible | None |
| Individual out-of-pocket maximum | $1,500 |
| Family out-of-pocket maximum | $3,000 |
| Primary care visit | $20 copay |
| Specialist visit | $30 copay |
| Health Care FSA eligible | Yes |
| Prescription coverage | See details |
The 2027 prescription drug plan coverage for Kaiser is:
| Prescription drugs | Retail (up to a 30-day supply) | Mail order (up to a 90-day supply) |
|---|---|---|
| Generic | $15 copay | $30 for up to a 100-day supply |
| Brand Formulary | $35 copay | $70 for up to a 100-day supply |
| Non-Preferred Brand Formulary | $35 copay | $70 for up to a 100-day supply (must be approved through the formulary exception process) |
| Specialty/Self-Injectables | $35 copay | Not covered |
Medical premiums will increase for 2027, but you are not paying the full cost of your coverage. IMA will continue paying a significant share of the total premium.
Available to eligible California associates.
| Coverage level | you pay per pay period | IMA pays per pay period | per pay period total |
|---|---|---|---|
| Associate only | $50.00 | $358.23 | $408.23 |
| Associate + spouse | $235.00 | $663.11 | $898.11 |
| Associate + child(ren) | $203.00 | $613.46 | $816.46 |
| Family | $312.00 | $912.69 | $1,224.69 |
Medical coverage is only one of the decisions you can make during Open Enrollment. Review the options below to see what each benefit offers, what it may cost, and whether you need to enroll or re-enroll for 2027.
Choose between two Delta Dental options based on the coverage you want and what you’re comfortable paying.
| In-network | Traditional High Best for more complete coverage, including major services and orthodontia | Preventive Low Best for lower paycheck costs and basic dental needs |
|---|---|---|
| Deductible | $50 individual / $150 family | $50 individual / $150 family |
| Annual max | $2,000 per person | $1,000 per person |
| Diagnostic and Preventive services (e.g., x-rays, cleanings, exams) | Covered in full | Covered in full |
| Basic services (e.g., fillings, extractions, root canals) | You pay 20% after deductible | You pay 50% after deductible |
| Major services (e.g., dentures, crowns, bridges) | You pay 50% after deductible | Not covered |
| Orthodontia (adults and dependents) | You pay 50% after deductible Lifetime max of $2,000 | Not covered |
The Right Start 4 Kids (RS4K) program makes dental care affordable for children age 18 and under enrolled on the plan. Here’s what you need to know:
| Coverage | Associate cost | Employer cost | Total cost |
|---|---|---|---|
| Associate only | $11.50 | $11.70 | $23.20 |
| Associate + spouse | $26.00 | $26.36 | $52.36 |
| Associate + child(ren) | $25.50 | $25.93 | $51.43 |
| Family | $40.50 | $40.94 | $81.44 |
| Coverage | Associate cost | Employer cost | Total cost |
|---|---|---|---|
| Associate only | $6.00 | $5.74 | $11.74 |
| Associate + spouse | $13.50 | $12.99 | $26.49 |
| Associate + child(ren) | $13.00 | $13.02 | $26.02 |
| Family | $20.50 | $20.70 | $41.20 |
Vision coverage can help with routine eye exams, glasses and contact lenses. Compare the paycheck cost and plan allowances before enrolling.
Exams, frames and lenses are available every 12 months. You may choose contacts instead of frames and lenses. A contact lens exam copay of up to $60 may apply.
| Coverage | Associate cost | Employer cost | Total cost |
|---|---|---|---|
| Associate only | $5.00 | $0.32 | $5.32 |
| Associate + spouse | $7.50 | $0.98 | $8.49 |
| Associate + child(ren) | $8.00 | $0.66 | $8.66 |
| Family | $12.50 | $1.47 | $13.97 |
The account available to you depends on your medical plan and the expenses you want to cover.
Choose an account only if you want to set aside money and meet its eligibility rules. A general-purpose Health Care FSA is not compatible with HSA contributions. The Dependent Care FSA is for eligible care that allows you, and your spouse if applicable, to work or look for work; special rules apply to full-time students.
| Account | Works With | Use It For | 2027 IRS Limit | What Happens to Unused Money? | Can It Be Paired with an HSA? |
|---|---|---|---|---|---|
| HSA | Green Option QHDHP | Medical, prescription, dental and vision expenses | $4,500 individual $9,000 family | Full balance rolls over and stays with you | N/A |
| Health Care FSA | Blue Option PPO or Kaiser | Medical, prescription, dental and vision expenses | $3,500* | $700* | No |
| Limited Purpose FSA | Green Option QHDHP with an HSA | Dental and vision expenses | $3,500* | $700* | Yes |
| Dependent Care FSA | Any medical plan (or no medical coverage) | Eligible dependent care that allows you to work or look for work; special student/spouse rules apply | $7,500 | Unused funds do not roll over | Yes |
*Projected 2027 IRS limits.
An HSA offers three federal tax advantages: tax-free contributions, tax-free growth and tax-free withdrawals for eligible healthcare expenses. State tax treatment may differ.
Medicare enrollment ends your eligibility to make or receive HSA contributions. Retroactive Medicare coverage can affect earlier contributions, so review your timing with a qualified tax adviser before enrolling.
You can keep using existing HSA money for eligible healthcare expenses. After age 65, eligible premiums can include Medicare, but not Medigap. Other withdrawals are subject to income tax, but not the additional 20% tax.
Eligible Green Option QHDHP participants who elect an HSA through IMA can receive up to these amounts each year:
IMA’s contribution counts toward your annual IRS limit. If you are age 55 or older and eligible, you may contribute an additional $1,000.
Purchase additional life insurance for yourself and eligible family members. Evidence of Insurability may be required. Coverage reduces at ages 70 and 75. Your rate depends on your age and coverage amount.
Elect in $10,000 increments, up to 10 times your annual earnings or $500,000.
Elect in $5,000 increments, up to $250,000, not to exceed your coverage.
$10,000
| Age | Associate/Spouse Per Pay Period Premiums (per $1,000 of coverage) |
|---|---|
| <30 | $0.030 |
| 30-34 | $0.035 |
| 35-39 | $0.045 |
| 40-44 | $0.060 |
| 45-49 | $0.085 |
| 50-54 | $0.125 |
| 55-59 | $0.225 |
| 60-64 | $0.340 |
| 65-69 | $0.645 |
| 70-74 | $1.31 |
| For one or more children, regardless of the number of eligible children covered, the premium is $0.85 per pay period per $10,000 of coverage. | |
Choose the Low or High option for yourself and eligible family members. View rates and the complete payout schedule in the enrollment system.
Pays benefits directly to you for covered injuries and related care, such as:
| 2026 Cost for Coverage | Associate Only | Associate + Spouse | Associate + Child(ren) | Family |
|---|---|---|---|---|
| High Plan | $4.63 | $7.37 | $7.75 | $12.21 |
| Low Plan | $1.87 | $2.98 | $3.06 | $4.86 |
Coverage is available for you and your eligible dependents. View rates and the complete payout schedule in the enrollment system.
Pays benefits directly to you after a covered hospital or ICU admission or stay. Examples of covered benefits:
| 2026 Cost for Coverage | Associate Only | Associate + Spouse | Associate + Child(ren) | Family |
|---|---|---|---|---|
| High Plan | $7.11 | $14.43 | $13.51 | $21.90 |
| Low Plan | $2.98 | $6.02 | $5.64 | $9.12 |
Coverage is available for you and your eligible family members. There is no pre-existing illness clause. View rates, coverage amounts and health assessment benefit details in the enrollment system.
Pays a lump-sum benefit directly to you after a covered diagnosis for conditions, such as:
| Age | Associate | Spouse |
|---|---|---|
| 2026 Monthly rate for $1,000 of coverage | ||
| Under 24 | $0.257 | $0.257 |
| 25-29 | $0.318 | $0.318 |
| 30-34 | $0.360 | $0.360 |
| 35-39 | $0.466 | $0.466 |
| 40-44 | $0.663 | $0.663 |
| 45-49 | $1.043 | $1.043 |
| 50-54 | $1.464 | $1.464 |
| 55-59 | $2.010 | $2.010 |
| 60-64 | $2.844 | $2.844 |
| 65-69 | $3.897 | $3.897 |
| 70+ | $3.897 | $3.897 |
| Child(ren) monthly rate per $1,000 | $0.418 | |
Provides monitoring and support to help protect your personal information and recover from identity theft.
Your benefits go beyond the plans you elect. These programs can support your health, finances and everyday life throughout the year.
IMA pays the full cost of Basic Life and AD&D, Short-Term Disability, Long-Term Disability, Business Travel Accident Insurance and Group Identity Theft Resolution Services.
Take advantage of Headspace mental health and work-life support, the $200 Lifestyle Spending Account, Maven family and menopause support, and Quit for Life tobacco cessation—all available at no cost to you.
Contribute at least 5% to receive IMA’s full 4% company match. Visit the 401(k) Retirement Plan page or sign in to Empower to review your account and make changes.
Get personalized comprehensive financial planning at a discounted rate, including help with investment management, life, income and asset protection, and tax and estate planning. Send a message to PrivateWealth@imacorp.com to learn more.
Give your benefits a little attention now, so they’re ready for the year ahead. Open Enrollment starts October 19, 2026. Be sure to make any coverage changes in UKG by October 30, 2026. Late enrollments will not be accepted. Your elections will be effective January 1, 2027, and will remain in effect through 2027 unless you experience a qualifying life event.
Before enrolling in your benefits, please verify that your mailing address is correct.
Keeping your address current helps ensure you receive important benefits and enrollment communications.
If you are enrolling dependents, you will need to provide their date of birth and Social Security number during the enrollment process.
At the end of your enrollment, we encourage you to save a copy of your benefit confirmation statement for your records by printing it or emailing it to yourself.
