Retiree open enrollment

Open enrollment is October 26 through November 23, 2026. Enrollments, changes, and premiums are effective January 1, 2027.

If you want to keep your same health plans, you do not need to fill out any forms or call us. You will automatically continue with the same plans next year.

Ready to make changes?

Retirees: Submit Form A-OE. Medicare COBRA subscribers: Submit the COBRA Election/Change form. You may also need to submit Form B or Form D.

Return your forms to the PEBB Program by November 23.

Benefits 24/7 will be available to make changes on October 26.

There are important changes to your benefits for 2027.

Know your costs

If you pay your premiums by pension deduction, make sure your pension will cover your 2027 premiums.

Review premium increases for PEBB Medicare plans

Most PEBB Medicare monthly plan costs are increasing in 2027. Find your new premiums and watch for information about other plans. If you want to change your plan, you can during open enrollment, October 26 to November 23, 2026.

Learn about important changes

There are many important changes to 2027 benefits and plans.

These tools can help you get started comparing plans and making choices.

Resources

The following are a few high-level changes that may impact you. See everything that's changing.

Prescription drug out-of-pocket increase for Medicare plans with Part D coverage

The maximum out-of-pocket drug cost for Medicare plans with Part D prescription drug coverage is increasing to $2,400. 

Deductible for consumer-directed health plans

For non-Medicare members.

The IRS raised the minimum deductible for consumer-directed health plans to $1,750 for single subscribers and $3,500 for families.

This affects Kaiser Permanente NW CDHP, Kaiser Permanente WA CDHP, and UMP CDHP.

Health savings account annual maximum contribution increase

For non-Medicare members.

The IRS raised the health savings account annual maximum contribution to $4,500 for single subscribers and $9,000 for families.

Kaiser Permanente WA provider network name change

For non-Medicare members.

Kaiser Permanente WA Classic, CDHP, and Value plans will use the SoundChoice provider network.

There will be no changes to the providers due to the name change. Members will receive a new ID card.

UMP Centers of Excellence program ending

For non-Medicare members.

The Centers of Excellence program for total joint replacement and spine surgery will end December 31, 2026. Surgeries must be completed by December 31, 2026 to qualify for this program.

Review plan information

Remember, you are not required to stay in the same plan every year. You can change plans. Exception: If you switch out of Premera Medicare Supplement Plan F you will not be able to enroll back in Plan F in a future open enrollment, however you would be able to enroll in Premera Medicare Supplement Plan G.

Compare medical plans

Compare up to three medical plans side-by-side with the Online Medical Benefits Comparison.

You can also use the PEBB Medicare Plan Comparison and the Medical Benefits Comparison.

Non-Medicare retirees: Use the Medical Plan Report Card to see how the PEBB non-Medicare plans compare to each other in clinical quality measures.

Check your medical plan service areas

In most cases, you must live in a medical plan's service area to join the plan. View plans available to retirees.

Be sure to call the plans you are interested in to ask about provider availability in your county. If you move out of your plan's service area and your plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address and request a plan change to the PEBB Program no later than 60 days after your move.

Compare dental plans

The PEBB Program offers three dental plans:

Use the Dental Benefits Comparison to compare them.

There are some differences between them that are important to keep in mind.

  • There is one preferred-provider organization (PPO) plan, Uniform Dental Plan (administered by Delta Dental of Washington). You can see any provider without a referral. You can see providers outside of the network but you will pay more out-of-pocket.
  • There are two managed-care plans: DeltaCare (administered by Delta Dental of Washington) and Willamette Dental. These plans require you choose a primary care dentist from within their network. You need referrals from the primary care dentist to see a specialist.
Compare vision plans

The PEBB Program offers three vision plans, available to members not enrolled in Medicare. Vision coverage for Medicare members is included with the medical plan, except Premera Plan F and Plan G.

Use the Vision Benefits Comparison to compare them.

Find providers

Check the plans' provider searches to check if your current providers are in the plans' networks. You can also call the plan's customer service to ask about a provider's network.

Take the next steps

  • If you want to keep your current health plans, you do not need to fill out any forms or call us. You will automatically continue with the same plans next year.
  • Non-Medicare subscribers: You may need to respond to the spouse or state-registered domestic partner (SRDP) coverage premium surcharge. You will receive a letter if you need to respond.
Make changes

Use Benefits 24/7 (available to make changes on October 26) or submit Form A-OE or the COBRA Election/Change form. You may also need to submit Form B or Form D.

The PEBB Program must receive your forms by November 23.

Changes made through Benefits 24/7 must be submitted by 11:59 p.m. on November 23.

Changes you can make

Open enrollment is your chance to:

  • Change medical and dental plans.
  • Enroll in a vision plan if you are not enrolled in Medicare Part A and Part B.
  • Add or remove a dependent from your coverage.
  • Defer your retiree insurance coverage due to other qualifying coverage.
  • Enroll in retiree insurance coverage if you previously deferred your enrollment.
  • Attest to the spouse or state-registered domestic partner coverage premium surcharge. Note: This does not apply to subscribers enrolled in Medicare Part A and Part B.
Return your form

Return your form one of the following ways:

  • Secure message using HCA Support. After signing in, select the Retiree/Continuation coverage option. Use the paperclip icon to attach your form.
  • Mail it to the PEBB Program.
    Washington State Health Care Authority
    PEBB Program
    PO Box 42684
    Olympia, WA 98504-2684
  • Fax it to 360-725-0771.
    The fax line may be busy near the end of open enrollment. Keep your fax confirmation for your records.
  • Bring it to the HCA Olympia office.
    626 8th Avenue SE
    Olympia, WA 98501
    Lobby hours: Monday through Friday, 8 a.m. to 4 p.m.

The PEBB Program must receive your form by November 23.

Attest to the premium surcharges

Non-Medicare subscribers only: If you cover your spouse or state-registered domestic partner, you may need to respond to the spouse or state-registered domestic partner coverage premium surcharge. You will receive a letter if you need to respond. Learn more about the premium surcharges.

Contact

If you have questions about open enrollment or language assistance services (available free of charge)

The PEBB Program
Phone: 1-800-200-1004, Monday through Friday, 8 a.m. to 4:30 p.m. (Pacific) 
TRS: 711
Online: Send us a secure message 

If you want to keep your current health plans, you do not need to fill out any forms or call us. You will automatically continue with the same plans next year.