Open enrollment (PEBB)

Know your costs

• Employee monthly premiums 2027
• PEBB Continuation Coverage monthly premiums 2027

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

• Compare medical plans.
• Log in to Benefits 24/7.
• Contact the plans.
• Attend a benefits fair.
• Visit the virtual benefits fair.

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

Kaiser Permanente WA provider network name change

Kaiser Permanente WA Classic, CDHP, and Value 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.

Deductible for consumer-directed health plans (CDHP)

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

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

Flexible spending arrangements contribution increase

Available to state agency and higher-education employees. Learn about FSAs.

• The annual maximum contribution for FSAs increased to $3,400.
• The carryover amount is up to $680.

UMP Centers of Excellence program ending

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

You are not required to stay in the same plan every year. You can change plans during open enrollment.

Compare medical plans

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

Use the Medical Plan Report Card to see how the PEBB medical 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.

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, you may need to change plans. You must report your new address no later than 60 days after your move.

View plans available to:

• Employees
• PEBB Continuation Coverage subscribers

Compare dental plans

The PEBB Program offers three dental plans:

• Uniform Dental Plan
• DeltaCare
• Willamette Dental

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), 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 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:

• Davis Vision by MetLife
• EyeMed
• MetLife Vision

Use the Vision Benefits Comparison to compare them.

Find providers

Check the plans' provider portals 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 status.

Take the next steps

• 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.
• If you have a DCAP or FSA, you need to enroll in these benefits for 2026. Learn more about FSAs and DCAP.

Make changes

To make changes, use Benefits 24/7 or a form. Find your form: Employees or PEBB Continuation Coverage.

Make your changes using Benefits 24/7 or Workday by 11:59 p.m. on November 23, 2026.

If you use a form:

• Employees: Your payroll or benefits office must receive your forms by November 23.
• PEBB Continuation Coverage subscribers: The PEBB Program must receive your forms by November 23.

Note: Pierce County, WSU, and UW employees must use Workday.

Changes you can make

Open enrollment is your chance to:

• Change medical, dental, and vision plans.
• Add or remove a dependent from your health plan coverage. If you enroll a dependent, you must provide proof of your dependent's eligibility with your enrollment form before your dependent can be enrolled on your account. Check the list of acceptable documents.
• Reattest 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.
• Enroll in an FSA, or DCAP through Navia Benefit Solutions, and choose your election amounts (available only to state agency and higher-education employees). You must enroll again in these benefits every year you want to participate.
• Waive enrollment (employees only) in medical coverage if you have or are enrolling in other employer-based group medical coverage, a TRICARE plan, or Original Medicare (Parts A and B only).
  • You cannot waive PEBB employee medical for PEBB retiree insurance coverage, which includes Premera Medicare Supplement Plan F or Plan G, UnitedHealthcare PEBB Balance and PEBB Complete, Kaiser Permanente NW Senior Advantage with Part D, Kaiser Permanente WA Medicare Advantage with Part D, or UMP Classic Medicare with Part D (PDP).
  • You cannot waive PEBB medical, dental, and vision coverage to enroll in SEBB medical with a SEBB participating employer group that offers only medical coverage.
• Enroll in employee medical coverage if you previously waived medical for other employer-based group medical, a TRICARE plan, or Original Medicare (Parts A and B only).

Return your form

If you use a form, return it as instructed below.

Employees

Return your form to your payroll or benefits office. They must receive it no later than November 23.

PEBB Continuation Coverage subscribers

Return your form to the PEBB Program 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

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 about the premium surcharges.