2027 Open Enrollment Oct. 26-Nov. 6

• For 2027 employee contributions, please refer to pages 16-17 of the 2027 Benefits Guide.

The University and employee premium contributions will increase in 2027 due to rising healthcare costs. The University continues to cover a significant portion of the premium.

Healthcare FSA

• The IRS currently permits a maximum Healthcare FSA election of $3,400.
• Healthcare FSA requires annual re-enrollment.

Commuter Benefits

• The IRS currently permits a maximum monthly amount of $340 for transit orders and $340 for parking orders.
• Please note: the Clipper card maximum balance remains $300.

Flexible Spending Accounts (FSA)

• Require annual enrollment should you wish to enroll or re-enroll for 2027. 
• The 2027 maximum annual election amounts are currently $3,400 per employee for the Healthcare FSA and $7,500 per household for the Dependent Care FSA ($3,750 if married and filing separately). 
• For more information, please review the FSA page. 

Childcare Subsidy

• A new Childcare Subsidy application form must be submitted online for each year that the benefit is requested.
• Ensure that you select ‘Next Year’ for the question ‘Are you applying for this year, or next year?’.
• Once your application form has been processed, you will receive a confirmation email indicating your Childcare Subsidy amount.
• For further information, please review the Childcare Subsidy page.

• For information on  Medical Waiver Plan enrollment, review the Medical Waiver Plan page.
• The Medical Waiver Plan (University of San Francisco Waiver) requires annual re-enrollment.
• A Medical Waiver Attestation task will appear in your USFWorks Inbox once you have submitted your elections.
• If your coverage is through an “individual market” plan, you are not eligible to enroll in the Medical Waiver Plan and should leave all three medical options as waived on your Open Enrollment task. If this is the case, please also inform the Benefits Team at benefits@usfca.edu.

• You are required to re-certify whether the Medical Spousal Surcharge applies to you each year.
• To see the options, go into the Medical Spousal Surcharge card on your task, click 'Select' (not 'Waive'), and then 'Confirm and Continue'.
• If you are covering a spouse or registered domestic partner on your USF medical plan, please verify your selected option for the Medical Spousal Surcharge on your Open Enrollment task to ensure it is correct. 
• For more information on the surcharge, see the Medical Spousal Surcharge page.

• If you are enrolling a new Dependent, you must upload the supporting documentation on the ‘Review and Sign’ page on your Open Enrollment task.
  For example, if adding a spouse or registered domestic partner, you must upload your marriage or RDP certificate. For eligible children, you must upload a birth/adoption certificate.
  Failure to provide documentation can delay your enrollment.
• Please ensure your Dependents' legal names and Social Security Number information are correct.
• Review your Dependents enrolled in your medical, dental, and vision plans to confirm they are still eligible. You can find a list of eligible Dependents on the Benefits Enrollment Information page.
• If you are currently enrolled in Voluntary AD&D – Family, please note that your spouse/RDP will not be covered after age 70, and your unmarried children will not be covered after age 26. Please review this coverage to ensure your Dependents are eligible. If you no longer have any eligible Dependents for this plan, please dis-enroll from the plan on your 2027 Open Enrollment task in USFWorks. You still have the option to enroll in Voluntary AD&D – Employee Only.

• Designating a Beneficiary on your life insurance plan(s) is a required step in completing your Open Enrollment task, if you have not done so already.
• For further information, including coverage amounts, please review the Life and AD&D Insurance page.
• Note: You must also designate a beneficiary for your TIAA retirement account(s).

Note: A life insurance Beneficiary is not the same thing as a healthcare Dependent. A Beneficiary is the individual(s) who will receive your life insurance benefits should something happen to you.

• You can update your 403(b) contribution at any time during the year.
• The 403(b) Voluntary Retirement Plan does not appear on your Open Enrollment task.
• To view or update your 403(b) Voluntary Retirement Plan contribution election, please review the "Change your 403(b) contribution guide" available on the 403(b) Voluntary Retirement Plan Benefits page.
  As a reminder, in 2026, the IRS implemented a new provision to age-based catch-up contributions to the 403(b) Voluntary Retirement Plan. Please review this rule on the 403(b) Voluntary Retirement Plan page.
• Important: On your Open Enrollment task in USFWorks, you will see a 'TIAA Retirement Healthcare Savings Plan - Employee' benefit card, if you are eligible to enroll in this benefit. The TIAA Retirement Healthcare Savings Plan is not the 403(b) Voluntary Retirement Plan. Refer to the TIAA Retirement Healthcare Savings Plan page to view the plan flyer. 
• Guide to designate a Beneficiary on your TIAA retirement account(s).

• It’s easy and it helps the environment! Log in to USFWorks and click ‘Benefits and Pay’. From there, click the ‘Benefits’ drop-down, select ‘ACA Forms’ and then go to ‘Change 1095-C Printing Election’. On the next page, update to "Receive an electronic copy of 1095-C" and click ‘OK’.
• Your 2025 Form 1095-C will be available by March 2, 2027. Actual delivery date will be confirmed in February 2027.