Everything You Need to Know About the Health Insurance Renewal in Unites States for 2027

This article provides details about the United States (US) benefits for 2027, including key changes, coverage options, and how to make selections during the renewal period.

To learn about how benefits work in the US for our EOR product visit: Understanding how benefits work in the United States

The benefits renewal process for the US runs from November 3, 2025, to November 16, 2025. During this period, you can review and update your team's benefit contributions. 

If you don't want to make any changes, no action is required as existing benefits will automatically renew with the updated pricing.

Important dates to remember:

• November 16, 2025: Deadline to submit benefit changes
• November 18, 2025: Employees will be notified of updated benefits for the 2026 policy year
• January 1, 2026: New benefits take effect (valid until December 31, 2026)

To start your renewal selection please follow there are two options

Option 1:

1. Go to the Benefits Hub section in Remote (login required). 
2. Click on Renewals.
3. Review all available options and select the appropriate benefit plans you wish to provide to your team members.
4. Click Save to confirm your selection.

Option 2:

1. You can also access the renewal process through a notification under Things to do on your Remote dashboard.
2. Review all available options and select the appropriate benefit plans you wish to provide to your team members.
3. Click Save to confirm your selection.

Important: The option you select will apply to all your EOR team in the US.

See also: How the Benefits Hub works

• A new healthcare provider, Kaiser Permanente, is now available for team members in California (CA) and Hawaii (HI).
• WEX is replacing American Benefits Group (ABG) as our provider for COBRA (continuation of health coverage) and FSA/HSA (tax-advantaged accounts).

• We’re adding a new benefits tier, Advantage, which covers 100% of the premium cost for employee and 60% for their dependents. This addition gives you even more flexibility, allowing you to choose from 8 different benefits tiers to find the coverage and contribution level that best fits your company’s needs.

• We're introducing 2 new Cigna plans, the Cigna PPO 500 and the Cigna HDHP 5000.
• Through our new provider Kaiser Permanente, you'll also have access to 2 new Kaiser plans, the Kaiser HMO California plan for CA residents, and the Kaiser HMO Hawaii plan for HI residents.

• We're expanding our Flexible Life Insurance options. You can now choose from 4 different plan options: Flat USD 50,000, Flat USD 100,000, 1× salary up to USD 250,000, and 2× salary up to USD 400,000. Each of these includes Accidental Death & Dismemberment (AD&D), Short-Term Disability (STD), and Long-Term Disability (LTD) coverage. These benefits are fully employer-funded. 

• Coverage for GLP-1 (weight loss drugs) will be removed. This change reflects our ongoing commitment to managing rising healthcare costs while ensuring the long-term sustainability of our benefits offerings. GLP-1 medications remain covered for certain medical conditions (for instance diabetes) under our plans, and we encourage members to speak with their healthcare providers about alternative treatment options.

Customers: For our customers, the premiums will increase by approximately 7.07% for Medical and 11.37% for Ancillary benefits (Dental, Vision, Life, and Disability).

Employees: For employees, premiums will increase by approximately 12.69% for Medical and 7.29% for Dental, Vision.

The cost structure for 2026 is slightly higher than 2025, with an average 9% increase despite a national health trend of 15%. To learn more about costs for each tier, visit the 2026 Monthly Contribution Costs.

The US benefits package includes:

• Medical coverage
• Dental coverage
• Vision coverage
• Basic Life Insurance
• Short-Term Disability (STD)
• Long-Term Disability (LTD)
• 401(k) Retirement Plan with:
• • 100% matching for the first 3% of employee contributions
  • 50% matching for the next 2%
  • No employer matching if an employee opts out or sets their voluntary contribution to 0%

Additional employee-paid coverages include:

• Accident Insurance
• Dependent Life
• Critical Illness (for employees, spouses, and children)
• Flexible Spending Accounts (FSAs) for health and dependent care
• Health Savings Accounts (HSAs)
• Hospital Indemnity
• Voluntary Life Insurance for employees, partners, and spouses

Optional employer-paid benefits include:

• Business Travel Insurance
• Mental Health Support

For more details about coverage, visit the benefits guide.

Our customers can choose from eight tiers, which define the percentage of premiums covered for employees and dependents:

Note: "Family" refers to the Employee and their dependents, which may include a spouse and/or children. If you select a plan that covers a percentage of Family, costs will vary depending on the type of dependents added.

Mandatory health benefits for EOR team members in the US renew on January 1, 2026. Coverage runs through December 31, 2026, aligned to the US tax year.

No action is required if you are keeping your current setup. To change your setup, review the available tiers and submit your selection by November 16, 2025.

Check your team’s current benefits and who is covered in what in your Benefits Hub. 

Our EOR Customers with team in the US can choose from 8 employer tiers that define the % of premium you cover for team members and dependents. Team members then pick their individual plan during enrollment. See also: Core benefits: Selecting a benefit tier

Your current benefits renew automatically with updated pricing. Changes won’t be possible again until the January 2027 renewal window.

• New providers: Kaiser Permanente for CA and HI. WEX replaces ABG for COBRA and FSA/HSA.
• New tier: Advantage tier covers 100% for team members and 60% for dependents.
• New plans: Two new Cigna plans and two new Kaiser plans for CA and HI.
• Life Insurance: Three additional options beyond the existing 2× salary (up to USD 400,000).
• Coverage: GLP‑1 coverage removed on some plans, remains on others for certain conditions.

Average premium changes:

• Medical: approximately +7.07%
• Ancillary (Dental, Vision, Life, Disability): approximately +11.37%

Actual changes vary by your tier and each team member’s enrollment type during open enrollment.

The updated costs appear from your January reconciliation invoice issued on February 5, 2026.

See also: Benefits billing for EOR customers

Yes. Your tier selection applies uniformly to all US team members, including new hires and anyone onboarded during the renewal period.

After you confirm your tier, team members select their plan during the enrollment window. We’ll contact them in late November with next steps.

Downgrading may reduce the value of your benefits package and impact satisfaction. We recommend maintaining or enhancing your current level.

Administration moves to WEX for COBRA and FSA/HSA. Read more in: Flexible Spending Accounts (FSAs), Dependent Care FSAs (DCFSAs), and Consolidated Omnibus Budget Reconciliation Act (COBRA)

Kaiser plans are available for eligible team members in California and Hawaii. Other states continue with national carriers such as Cigna.