2027 Open Enrollment
Make Your Move | 2027 Open Enrollment: November 2 - 13, 2026
Open Enrollment is your annual opportunity to make changes to your benefits elections, which will be effective January 1 through December 31, 2027. After Open Enrollment closes, you can only make changes if you have a qualifying life event, such as marriage, birth of a child, or loss of other coverage.
How to Enroll:
Online: Click “Log In” at the top right of this site from any computer, tablet or phone.
bswift® mobile app: Enroll, review your benefits and make changes on the go. Download the bswift app from Google Play or the App Store.
By phone: Call the Benefits Service Center at 1-877-631-0059 if you don’t have regular computer or email access, need translation support or prefer to enroll with a representative’s help.
What Happens If You Don’t Enroll by Nov. 13
| Benefit | 2027 |
|---|---|
| Medical, Dental, Vision | Same coverage as 2026 will remain |
| Voluntary Life and AD&D, Buy-up LTD, Group Legal, ID Theft, Pet Discount | Same coverage as 2026 will remain |
| Basic Life, AD&D, STD and Basic LTD (Broadridge-provided) | Automatic (no election needed) |
| Health Savings Account (HSA) | Same contribution rate as 2026 (change this anytime) |
| Flexible Spending Accounts (FSAs) | No coverage (elections do not carry over) |
| Group Accident, Critical Illness, Hospital Indemnity | No coverage (new for 2027: elections do not carry over) |
| Vacation Flex (hourly associates) | No coverage (elections do not carry over) |
| Auto and Home coverage | Enroll/update anytime at VoluntaryBenefits.Broadridge.com. |
Who’s Eligible
Most benefits are available if you're a regular associate scheduled to work at least 20 hours per week. If you:
Started this year and haven't enrolled yet: You have 30 days from your hire date to enroll. You'll make two elections: one for the rest of 2026 (effective your hire date through December 31), and one for all of 2027.
Have family you want to cover: Your spouse/domestic partner and children (yours or your partner's) up to age 26 are eligible. You'll need their Social Security number for enrollment, then proof of the relationship within 30 days.
And your spouse/partner work at Broadridge: You can each be covered only once—as an associate or a dependent, not both—and only one of you can cover your children.
Key Changes and Enhancements for 2027
Every year we look at your benefits and ask one question: How do we make them work better for you? For 2027, that means a new model for medical advocacy, expanded preventive cancer screening coverage, higher savings limits and a no-questions-asked opportunity to boost your life insurance.
What's New
Aetna One® Advocate: New advocacy team
As part of your Aetna plan, you will have access to the Aetna One Advocate team, requiring no special enrollment. With advocates, nurses, pharmacists, dietitians and more by your side, you’ll get a higher level of support to help plan your care, answer network questions and more. The team will be available 8 a.m. to 9 p.m. ET, Monday through Friday, via the Aetna Health app or by phone: (800) 663-0911. Learn more.
You’ll have one ID card for medical and pharmacy
You’ll receive a new 2027 ID card, sent directly by Aetna, that consolidates your medical and pharmacy cards into one, and with the introduction of Aetna One Advocate, the card will list one number to call for both medical and pharmacy needs: 1-800-663-0911. (The Aetna Concierge Services line will now be the Aetna One Advocate line, and Specialty Pharmacy remains separate: 1-800-237-2767.)
Meet Emma™, your new decision support tool (ALEX retired)
Emma is available (once you log in at the top right of this site) to guide you through your medical enrollment. She’ll ask a few simple questions about your needs and preferences, then help you understand your medical plan options and recommend plans that may be a good fit.
Chance to boost your Voluntary Life & AD&D Insurance with no questions asked
Broadridge automatically provides basic life and AD&D coverage, but you can elect additional Voluntary Term Life and AD&D coverage for yourself and your family. During this Open Enrollment, you can elect Supplemental Life up to $500,000 (associate) or $25,000 (spouse/partner) without completing Evidence of Insurability—no medical exam or health questionnaire required. To learn more about your coverage options and costs, as well as access educational resources, visit securian.com/broadridge-life.
| What's Changing | 2027 Details |
|---|---|
| Enrollment | ACTION NEEDED: Group Accident, Hospital Indemnity, and Critical Illness coverage will not automatically carry over. To keep, change or add coverage for 2027, you must actively elect it during Open Enrollment. |
| Traditional Choice Plus Medical Plan |
|
| SavingsPlus HSA Medical Plan |
|
| Enhanced In-Network Cancer Preventive Screenings |
|
| Dental Indemnity Plan | Same coverage, new plan name: PPO Option 1 |
| Health Savings Account (HSA) | The IRS contribution limits will be $4,500/$9,000 for single/family coverage (up from $4,400/$8,750). |
| Health Care and Limited Purpose Flexible Spending Accounts (FSAs) | The limit is expected to be $3,500, up from $3,400, pending the IRS release this fall. Eligibility for SavingsPlus HSA enrollees is now based on HSA participation, not medical plan enrollment; an associate enrolled in the SavingsPlus HSA who does NOT elect or contribute to an HSA can enroll in a Health Care FSA instead of a Limited Purpose FSA. |
| Commuter Benefits | The 2027 IRS limit applies once released; the 2026 limit is $340 per month. Make changes at InspiraFinancial.com by the 10th of the month to take effect the 1st of the following month. |
| Rates | While medical and dental premiums are slightly increasing due to rising health care costs, rates for Critical Illness, Accident, and Hospital Indemnity are decreasing. Voluntary Life Insurance rates are increasing for associate coverage and decreasing for spouse and child coverage. |
| Employee Assistance Program (EAP) | Starting Oct. 1, 2026, free counseling sessions increase from five to six per issue. |