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Employee Benefits: What's New in 2027?

  • Insurance Coverage Cost Increase: You will see a small increase in the costs of your Blue Cross Blue Shield of Michigan health insurance and ADN dental insurance beginning in your December 2026 payroll deductions due to a January 1, 2027 rise in premium costs. We are pleased to continue to offer comprehensive insurance plans at competitive rates. 
  • HDHP Medical Coverage Deductibles Change: The IRS has announced that the minimum deductible limits for all High-Deductible Health Plans (HDHP) will increase. Effective January 1, 2027, the new HDHP deductibles are $1,750 for single subscriber coverage and $3,500 for 2-person and full family coverage. New BCBSM ID cards will be issued.
  • HSA Contribution Limit Change: For 2027, the Health Savings Account (HSA) contribution limits are $4,500 for single subscriber coverage and $9,000 for 2-person and full family coverage.  The catch-up contribution for those age 55 and older remains at $1,000.
  • FSA Max Contribution and Rollover: The contribution maximum to the FSA remains at $3,400 for 2027, with a rollover amount of $680. 
  • Dependent Care Maximum Contribution: The maximum contribution to a Dependent Care Spending account is $7,500 (capped at $3,750 for married individuals filing separately).
  • The IRS has not yet released the new contribution limits (FSA, DCA) for the upcoming 2027 calendar year.