2027 Employee Benefits Guide

Your 2027 benefits

Open enrollment runs November 3 through November 14. What you pick stays in place for all of 2027 unless you have a qualifying life event, so give this guide fifteen minutes before you choose.

Two things are new this year: the Pine HDHP now comes with a bigger company contribution to your HSA, and we added a limited-purpose FSA so HDHP enrollees can still set aside pre-tax money for dental and vision. Everything else, including our dental and vision plans, carries forward with small rate changes.

— People Operations, Harbor & Pine Co.

Who's eligible

Who's eligible

All regular employees scheduled for 30 or more hours per week.

When coverage begins

First of the month following your date of hire.

Eligible dependents

Your legal spouse and your children up to age 26 (regardless of student or marital status). Children of any age who are incapable of self-support due to disability may also be covered.

When coverage ends

Coverage ends on the last day of the month in which employment ends or you no longer meet eligibility requirements.

How to enroll

Enrollment window: November 3, 2026 through November 14, 2026

Log in with your work email, review your current elections, and confirm or change each one. The whole thing takes about ten minutes. Enrollment closes at 11:59 pm Pacific on the last day.

Enroll at: https://enroll.harborpine.example

Life changes mid-year

You have 30 days from a qualifying life event to report it and change your elections. Changes must be consistent with the event. Events involving Medicaid or CHIP eligibility carry a 60-day window under federal law.

• Marriage, divorce, or legal separation
• Birth, adoption, or placement for adoption
• A dependent losing eligibility (for example, a child turning 26)
• A change in your spouse's employment or benefits coverage
• Loss of other health coverage

Outside open enrollment, you can only change your elections after a qualifying life event: marriage or divorce, birth or adoption of a child, a dependent losing eligibility (for example, turning 26), a change in your spouse's employment or coverage, or loss of other coverage. Report the event to HR within the window above; changes must be consistent with the event.

Health Savings Account (HSA)

An HSA is a bank account you own. Money goes in before taxes, grows tax-free, and comes out tax-free for eligible medical, dental, and vision expenses. The balance rolls over every year and goes with you if you leave. You can only contribute while enrolled in a qualified high-deductible health plan.

Employer contribution

2027 IRS contribution limits

Limits include employer contributions. Verify current figures with your plan administrator. (2026-07-29)

To contribute, you must be enrolled in the HDHP, not covered by any other non-HDHP plan (including a spouse's general-purpose FSA), not enrolled in Medicare, and not claimed as a dependent on someone else's tax return.

The company contribution is deposited in two halves: January and July. You keep it even if you leave.

Flexible Spending Accounts (FSA)

On most plans, FSA elections do not continue into the new year on their own. Re-enroll each year to participate, unless your employer tells you otherwise.

Dental

Vision

Life and AD&D insurance

Disability insurance

Disability insurance replaces part of your income if illness or injury keeps you from working. The elimination period is the wait between when you become disabled and when payments begin.

Voluntary benefits

These optional plans are offered at group rates, and you choose whether to enroll in each one. They add to your core coverage rather than replacing it.

More benefits

Glossary

Deductible

What you pay for covered care each year before the plan starts paying its share. Premiums and copays don't count toward it.

Copay

A fixed dollar amount you pay for a covered service, like $25 for an office visit.

Coinsurance

Your percentage share of the cost of covered care after you've met the deductible. If coinsurance is 20%, the plan pays 80%.

Out-of-pocket maximum

The most you'll pay for covered in-network care in a plan year. After you reach it, the plan pays 100% of covered services.

In-network

Doctors and facilities that contract with your plan at negotiated rates. Staying in network almost always costs less.

Embedded deductible

On a family plan, each person only has to meet the individual deductible before the plan pays for their care. On a non-embedded plan, the whole family deductible must be met first.

Formulary

Your plan's list of covered prescription drugs, organized into cost tiers.

EOB (Explanation of Benefits)

The statement your plan sends after a claim showing what was billed, what the plan paid, and what you may owe. It is not a bill.

HDHP

High-deductible health plan. Lower premiums, higher deductible, and the only plan type that lets you contribute to an HSA.

Required annual notices

Who to call