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2027 Annual Benefits Enrollment

Annual Enrollment 2027: Simpler choices. Clearer decisions.

Annual enrollment opens Monday, Nov. 2 and closes Friday, Nov. 20 for the new plan year (Jan. 1 – Dec. 31, 2027). Annual enrollment is your opportunity to review the benefits that are part of your CVS Health Total Rewards. It’s a chance to review the options available and make choices based on what matters most to you.

As we continue to improve your benefits experience, we’ve focused on making our benefits easier to understand, compare, and use. Based on colleague feedback, we’re simplifying our medical plan choices, introducing new benefits and features designed to better meet your needs, and continuing to provide tools to help you make informed decisions.

Enrollment Checklist

Review your options and complete these key steps during enrollment:

  • Review your coverage: Evaluate your current medical, dental, and vision elections and make any necessary changes.
  • Update working spouse/partner attestation: If enrolling a spouse or domestic partner in medical coverage, update your attestation if needed.
  • Update tobacco/nicotine status: Verify and update your status and your enrolled spouse/partner's status.
  • Complete your preventive visit: If enrolling in medical coverage, ensure you have completed your annual preventive care visit.
  • Active FSA elections required: Flexible Spending Accounts (FSAs) do not roll over automatically. You must make new FSA elections for the upcoming plan year.

What happens if you don’t enroll? In general, your current elections and coverage tiers, your working spouse/partner attestation election, and your tobacco/nicotine status will automatically continue. However, you must actively re-elect your Flexible Spending Accounts (FSAs).

New medical plan options

Every year we review our medical plans and make updates to reflect new types of coverage and cost changes. Key plan updates for 2027 include:

  • Informed Choice option: Features copays for primary care, specialist visits, outpatient mental health, and select surgeries with no deductible. Copays can be lowered by choosing providers meeting Aetna Smart Compare quality standards, plus a $0 copay for MinuteClinic services. Does not include an HSA.
  • Hybrid & OOA Plans: Hybrid Gold and Silver continue with no changes to deductibles or out-of-pocket maximums. The Out-of-Area (OOA) Plan will offer an HRA instead of an HSA.
  • HSP 1 and HSP 3 renamed: Now HSP Gold (featuring a modest IRS-required deductible increase of $50 single / $100 family) and HSP Silver (no changes to deductible or out-of-pocket maximum). Both utilize the broad Aetna Choice POS II network.
    Corporate population only
  • Plan retirements: HSP 1 with APCN Plus and HSP 2 will be retired. Corporate population only

2027 limits on tax-advantaged savings for health care and dependent care expenses

Review updated contribution limits and rules for Health Savings Accounts and Flexible Spending Accounts:

Account Type 2027 Limits & Details
Health Savings Account (HSA) If in an HSP option
  • New limit: $4,500 single / $9,000 family (plus $1,000 if age 55+).
  • Company contribution: $500 single / $1,000 family (if ABBR is $250,000 or less).
Flexible Spending Accounts (FSAs)
  • Health Care & LPFSA: $3,500 limit (projected); up to $680 carryover.
  • Dependent Care FSA: $7,500 limit; no carryover (elections limited for highly compensated employees).
  • Active re-election required.

Improved access to care and support

Several medical plan enhancements for 2027 improve access to care and help you save:

  • More specialized personal care for common conditions: Enhanced support for back and joint care, digestive health, autism, and chronic skin conditions to help you manage your health.
  • Specialty surgery and cancer care: Access via Aetna’s Centers of Excellence program in partnership with Carrum Health for eligible adults with certain serious conditions and planned procedures, available at low or no cost.
  • All CVS Virtual Care® visits covered at 100% before the deductible in the HSP options (just like in the Hybrid Plans).
  • Fertility drug lifetime maximum increases from $25,000 to $40,000.
  • Out-of-pocket costs for all drugs through the PrudentRx specialty medication savings program now count toward your deductible/out-of-pocket maximum.

Medical plan contributions remain unchanged for most colleagues

The company is absorbing all increases in medical premiums for 2027—so there will be no increases to our medical plan rates from the current plan year.

That means if you remain in the same option, cover the same dependents and your Annual Benefits Base Rate (ABBR) band doesn’t change, your paycheck contributions will remain unchanged. For 2027, ABBR is calculated using your base pay as of Sept. 30, 2026, and the average of annual bonuses and commissions paid in 2025 and 2026.

Key Dates & Support

Annual benefits enrollment is Nov. 2–20, 2026

Starting Oct. 28, visit the benefits portal from Colleague Zone to review your 2027 options and rates.

Time Sensitive: Enroll or make changes between Nov. 2–20, 2026.

Access the secure benefits portal anytime via Colleague Zone > My applications > View all > Benefits – Your Benefit Coverage. Use the Emma EnrollPro™ virtual benefits assistant to compare options and get personalized recommendations. For questions, contact the HR Service Center at 1-888-694-7287: Say Health Care or Press 1.

Log in to the Benefits Portal to Enroll

Benefits Eligibility Overview

Colleagues regularly scheduled to work 30+ hours per week are eligible for full-time benefits. Your coverage start timeline and medical plan choices depend on your colleague group:

Retail & Distribution Centers

Only Job Levels 6 and Below

Waiting Period:

91st Day of Continuous Employment

Medical Plan Options:

Three (3) Options Available (Informed Choice & Hybrids)

Corporate & Other Groups

Includes Store & Pharmacy Managers, Pharmacists & DC Supervisors & above

Waiting Period:

First Day of the Month Following Hire

Medical Plan Options:

5 Options Available (Includes HSP, Hybrids & Informed Choice)

What's Available When

Annual Enrollment

  • Medical, Dental & Vision
  • Flexible Spending Accounts (FSAs)
  • Disability & Life Insurance
  • Accident & Critical Illness
  • Legal & Identity Protection

Anytime During the Year

  • No-cost confidential counseling
  • MinuteClinic wellness benefits
  • Financial coaching
  • Tuition Assistance Program
  • Paid parental leave (after 1 year)

*Differences may apply for union colleagues. Refer to your official offer letter for exact terms.

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This website provides an overview of benefits for CVS Health colleagues and is for informational purposes only. If there's any difference between this website and plan documents, official plan documents will govern. CVS Health reserves the right to amend, modify or terminate all or part of its benefits plans at any time. This description isn't an employment contract or guarantee. Colleagues may need to meet certain eligibility requirements to participate. Colleague contributions are not used to pay plan expenses for vendors or other service providers that are subsidiaries of CVS Health, except as may be permitted by ERISA. Union colleagues aren't covered unless their collective bargaining agreement specifically provides for a benefit.