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2027 Benefits Open Enrollment

November 2, 2026 - November 13, 2026

WD is deepening its commitment to employees through expanded choice, simpler navigation, and stronger support across health, family care, and financial well-being. Use this page to review your options and make your 2027 elections.

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What is Open Enrollment?

Open Enrollment is your once-a-year opportunity to:

  • Review benefit options
  • Make your benefit elections for the coming year
  • Add, remove, or change covered dependents
  • Update your beneficiary designations

Important: What Happens if you do nothing?

If no action is taken by 10:59pm PST on November 13, 2026, your current benefit elections will roll over into the 2027 plan year.

Exception: Flexible Spending Account (FSA), Dependent Care FSA (DCFSA), and Health Savings Account (HSA) elections do not roll over. You must actively re-enroll each year to participate.

After Open Enrollment closes, changes are permitted only if you experience an IRS Qualifying Status Change (for example, marriage, birth, or loss of other coverage).

2027 Highlights

What is changing?

Plan Design

New HSA and FSA Administrator: Fidelity

Starting in January 1, 2027, WD will be changing HSA and FSA administrator from HealthEquity to Fidelity. By combining your savings accounts and 401(k) retirement accounts under one umbrella, you can manage your spending and retirement goals more easily. With this change to Fidelity, you can start investing your HSA dollars with as little as $1. No more minimum balance requirements. Access Fidelity at myfidelitysite.com

Introducing Tobacco Surcharge to Medical Premiums

If you are enrolling in one of our four medical offerings, as part of WD's commitment to Drive health and wellbeing, WD will be introducing a $25/paycheck Tobacco Surcharge in 2027 if you use tobacco products. You will be asked about your tobacco use status during Open Enrollment on Workday when you submit your elections. Current tobacco users can avoid the surcharge by actively engaging with their medical plan to try to quit.

Frame Coverage for Vision Plan

Beginning January 1, 2027, the vision plan will be getting an upgrade. New frames are covered every 12 months instead of every 24 months.

New HDHP Plan Deductibles and Limits

The HDHP deductible will increase to $1,750 for individual coverage and $3,500 for family coverage (per IRS requirements). In addition, the HSA annual contribution maximums will increase to $4,500 for individuals and $9,000 for families.

Upwise

We received great feedback about Upwise last year, so we've been working behind the scenes to make the decision tool even smarter. Check it out for yourself, even if you're just curious. As a reminder, Upwise is voluntary and is approved by WD, meaning that your private data is safe and won't be shared with anyone else. Access Upwise at upwise.app.nayya.com/users/sign_up.

2027 IRS Contribution Limits

Account 2026 Limit 2027 Limit Notes
HSA – Individual coverage $4,400 $4,500 Includes WD employer contribution
HSA – Family coverage $8,750 $9,000 Includes WD employer contribution
HSA – Catch-up (age 55+) $1,000 $1,000 In addition to the limits above
Healthcare / Limited Purpose FSA $3,400 $3,500 IRS typically announces in Dec
FSA carryover $680 $700 IRS typically announces in Dec
Dependent Care FSA $7,500 $7,500 Per household ($3,750 if married filing separately)

2027 Open Enrollment Resources

Resource What You Will Find
ServiceNow Open Enrollment Article 2027 rates, FAQs, Workday enrollment guide, and event links
Recorded Presentation (recording available after the Open Enrollment Meeting)
Upwise Decision Support Tool Interactive tool to help you choose your plans:

Key Dates at a Glance

Milestone Date Notes
Open Enrollment starts Monday, November 2, 2026 Elections available in Workday
Open Enrollment ends Friday, November 13, 2026, 10:59 PM PST Current elections roll over if no action is taken (except FSA, DCFSA, and HSA)
2027 plan year begins Friday, January 1, 2027 2027 benefits take effect
2027 plan year ends Thursday, December 31, 2027 Last day to incur FSA and Dependent Care expenses
FSA / DCFSA claims deadline Friday, March 31, 2028 90 days after plan year end (active employees)

Open Enrollment Schedule of Events

All times are Pacific Time except Rochester. Virtual sessions are held on Microsoft Teams; join links are available in the ServiceNow Open Enrollment article.

Location Event 1 Event 2 Event 3
U.S. Webinars Benefits Info Session 1
November 2
12 – 1 p.m. PT
Meeting Link		 Benefits Info Session 2
November 9
2 – 3 p.m. PT
Meeting Link
Great Oaks Drive Wellbeing Fair
Wednesday, October 28
11 a.m. – 2 p.m. PT
Building 55		 Benefits Fair
November 3
5 – 7 p.m. PT
Building 6 Taurus 1 & 2
(For Direct Labor)		 Benefits Fair
November 12
5 – 7 p.m. PT
Building 6 Taurus 1 & 2
(For Direct Labor)
Fremont Benefits Fair
November 5
3 p.m. – 5 p.m. PT
Building 1 Cafe		 Benefits Fair
November 10
3 p.m. – 5 p.m. PT
Building 1 Cafe
Irvine Drive Wellbeing Fair
Thursday, October 29
11 a.m. – 2 p.m. PT
Visitor Parking Lot
Rochester Benefits Fair
November 4
11 a.m. – 1 p.m. CT
Rooms 114-1/D401 & 114-1/D402

2027 Contributions and Support

Bi-weekly benefit costs: See the ServiceNow article for 2027 per-paycheck rates.

  • Great News: No increase to Kaiser and Delta Dental contributions in 2027. What you paid out of your paycheck for these plans will continue in 2027.

Questions? The AskHR team is available Monday – Friday during Open Enrollment:

2027 Benefit Plan Options

Medical

Plan Carrier Highlights
High Deductible Health Plan (HDHP) Anthem HSA-eligible; WD contributes to your HSA, In- and out-of-network coverage
Preferred Provider Organization (PPO) Anthem In- and out-of-network coverage
High Performance Network (HPN / EPO) Anthem In-network only; no referrals required
High Deductible Health Plan (HDHP) Kaiser (CA and HI only) HSA-eligible; WD contributes to your HSA, In-network only

Need help choosing? Upwise is a personlized decision tool that models your costs across plans, comparing deductibles, out-of-pocket maximums, and per-paycheck costs.

Fidelity Health Savings Account (HSA)

Coverage Tier 2027 IRS Limit WD Employer Contribution Your Maximum Contribution
Individual $4,500 $800 $3,700
Employee + dependent(s) $9,000 $1,800 $7,200
Catch-up (age 55+) +$1,000 — +$1,000

WD employer contributions are made each pay period from January 1 - December 31, 2027. Certain circumstances (for example, enrollment in Medicare or another non-HDHP plan) may make you ineligible to contribute to an HSA.

Fidelity Flexible Spending Account (FSA)

Account 2027 Maximum Election Unused Funds Claims Deadline
Healthcare / Limited Purpose FSA $3,500 Up to $700 carries over to 2028; expenses must be incurred by December 31, 2027, amounts above that are forfeited March 31, 2028
Dependent Care FSA $7,500 per household Use it or lose it: expenses must be incurred by December 31, 2027 March 31, 2028

Claims deadline apply to active employees. Remember: HSA, FSA and DCFSA elections do not roll over, so you must re-enroll to participate in 2027. For more details, please refer to the plan document.

Contacts

Resource How to Reach Hours
AskHR (ServiceNow) Submit a ticket through the ServiceNow portal Mon – Fri, 8:00 AM – 5:00 PM PT
AskHR Phone 408-717-8398 (quick dial 228398) Mon – Fri, 8:00 AM – 5:00 PM PT
Carrier contacts See the Vendor Directory on the WD benefits site —

Medical Plan Comparison

Plan Provider Plan Year Plan Name Actions
Anthem Blue Cross 2027 Anthem PPO Select Selected
Anthem Blue Cross 2027 Anthem HDHP Select Selected
Anthem Blue Cross 2027 Anthem HPN/EPO Select Selected
Kaiser Permanente Insurance Company 2027 Kaiser HDHP Nor Cal Select Selected
Kaiser Permanente Insurance Company 2027 Kaiser HDHP So Cal Select Selected

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Dental Plan Comparison

Plan Provider Plan Year Plan Name Actions
Delta Dental Insurance Company 2026 Delta Dental Low Select Selected
Delta Dental Insurance Company 2026 Delta Dental High Select Selected
Delta Dental Insurance Company 2026 Delta Dental DHMO Select Selected

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Clear Selection View Details Compare Plans

Vision Plan Comparison

Plan Provider Plan Year Plan Name Actions
Vision Service Plan 2027 VSP Signature Select Selected

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Clear Selection View Details Compare Plans

Open Enrollment Resources

Medical

Anthem PPO

Anthem HDHP

Anthem HPN/EPO

Kaiser HDHP
Northern CA

Southern CA

Hawaii

Financial Benefits

  • 401(k) Retirement Plan (Coming Soon)
  • Employee Stock Purchase Plan (Coming Soon)
  • Business Travel Accident Insurance
  • Flexible Spending Account (FSA) (Coming Soon)
  • Health Savings Account (HSA) (Coming Soon)

Additional Benefits

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