Required Action for 2027 Open Enrollment

2027 plan year

Open Enrollment

Review or update medical, dental, and vision coverage and dependent information. New elections take effect January 1, 2027.

Enrollment window
October 2–16
Coverage begins Jan. 1
Start here

Do you need to take action?

Most current elections roll over automatically. You must complete enrollment if either situation applies:

You waive County medical insuranceCertify and upload proof of other group coverage.
You fund a tax savings accountFSA, DCFSA, LPFSA, and HSA elections do not roll over.


If neither applies, no action is required unless you want to change benefits, dependents, or demographic information.

Required Actions

Employees may waive County medical insurance with proof of qualifying group coverage. Continuing and first-time waivers both require the following:

  1. Log in to BenXcel during Open Enrollment.
    See BenXcel login instructions.
  2. Answer the Proof of Other Group Coverage certification questions.
  3. Upload current proof of coverage.
    Use an insurance card or employer letter showing medical coverage and effective dates. For this enrollment, the document must show coverage in 2026 or 2027.
Review your MOU for bargaining-unit-specific proof requirements.

Qualifying coverage

  • Employer-sponsored coverage through a spouse, domestic partner, or parent
  • Tricare
  • Medi-Cal for eligible part-time employees

Does not qualify

  • Health care cost sharing
  • Covered California
  • Medicare

Log in to BenXcel from October 2–16, select your account, and enter your 2027 election amount.

FSA maximum$3,400$680 rollover
HSA maximum$4,500Individual; $9,000 family
DCFSA maximum$7,500Per household

Employees age 55 or older may add $1,000 to the HSA limit. HSA eligibility questions must be answered annually under IRS rules.

County HSA contributions

  • Employee-only HDHP enrollment: $1,000 per year ($38.46 per paycheck)
  • Employee + 1 or more: $2,000 per year ($76.92 per paycheck)
Applies to all employee associations except SDSA. To receive only the County contribution, enter $0 as your HSA election amount and complete the eligibility questions.
  • Review contact information: Carriers use the mailing address in BenXcel. Add a mobile number and personal email.
  • County medical: County-employed spouses or partners cannot cover each other on both medical plans.
  • Voya and Aflac: Dual coverage is not allowed for Voya Life or Aflac Accident, Critical Illness, and Hospital Indemnity plans.
  • Automatic rollover: Current benefit elections continue unless you make changes, update dependents, waive medical, or fund a 2027 tax savings account.