How can I judge which medical plan is better for me?
The 2027 Annual Enrollment window is an active enrollment this year.
What does that mean for you?
You must log into The Benefits Center by November 18th and select your healthcare plan or risk being defaulted to a plan you may not have selected on your own.
Which plan you pick is an important decision. Here are some examples of what you may spend in each plan to consider as you weigh your options.
Scenario 1 – Low earner, Single, Limited medical needs
Salary $55k, Employee only coverage, estimate ~$800 in non-preventive services (1 PCP visit, 3 generic RX, 1 urgent care visit).
| PLAN | ANNUAL PREMIUM | EST. PLAN COST | HSA SEED OFFSET | TOTAL ANNUAL COST | VS. POS II |
| Aetna POS II (current enrollment) | $1,265 | ~$435 | — | $1,700 | — |
| Aetna CDHP with HSA | $853 | $800 | -$500 | $1,153 | −$547 |
| Aetna Basic Choice | $302 | $800 | — | $1,102 | −$598 |
| Centivo RECOMMENDED | $687 | ~$165 | — | $852 | −$848 |
WHAT THE NUMBERS SHOW
This employee pays $848 more than needed by defaulting into POS II — equal to 1.5% of gross salary.
Scenario 2- Mid earner, EE & Sp, Modest medical needs
Salary $130k, EE & Sp coverage, estimate ~$6,500 in services ($1,600 preventative, 2 PCP visits, 1 specialist visit, 6 RX and 1 outpatient procedure)
| PLAN | ANNUAL PREMIUM | EST. PLAN COST | HSA SEED OFFSET | TOTAL ANNUAL COST | VS. POS II |
| Aetna POS II (current enrollment) | $7,475 | ~$1,620 | — | $9,095 | — |
| Aetna CDHP with HSA | $5,070 | $2,580 | -$1,000 | $6,650 | −$2,445 |
| Aetna Basic Choice | $1,820 | $4,620 | — | $6,440 | −$2,655 |
| Centivo RECOMMENDED | $4,095 | ~$360 | — | $4,455 | −$4,640 |
WHAT THE NUMBERS SHOW
Choosing Centivo saves this family $4,640 annually (>3.5% of gross salary). Even Basic Choice or CDHP save $2,400+.
Scenario 3 – High earner, Family coverage, High medical needs
Salary $220k, Family (4) coverage, estimate ~$65k in medical services
| PLAN | ANNUAL PREMIUM ( AT MAX) | EST. PLAN COST ( HITS OOPM) | HSA SEED | TOTAL ANNUAL COST | VS. POS II |
| Aetna POS II (current enrollment) | $10,428 | $10,000 (fam OOPM) | — | $20,428 | — |
| Aetna CDHP with HSA | $7,704 | $10,000 | -$1,000 | $16,704 | −$3,724 |
| Aetna Basic Choice | $2,796 | $12,000 | — | $14,796 | −$5,632 |
| Centivo RECOMMENDED | $6,024 | $3,000 | — | $9,024 | −$11,404 |
WHAT THE NUMBERS SHOW
Even a high-needs family saves $3,700+ on any alternative and $11,404 on Centivo — driven by a lower family OOPM ($6K vs $12K).