Open Enrollment Highlights

Health Insurance Premiums and Benefits

There are four health plan options to choose from for 2025. The new plan is a High Deductible Health Plan (HDHP). More information about this new plan is on page 8.

There will be no employee increase in health insurance premium contributions for 2025.

There will be no changes to co-pays, co-insurance, deductibles, or maximum out-of-pocket amounts.

Dental and Vision Plans

There will be no increase in dental or vision premiums in 2025.

Life Insurance

There will be no changes to optional life insurance premiums in 2025.

During Open Enrollment you can add or increase optional life insurance for yourself or your spouse without a Statement of Health.

Although you can make changes to life insurance on your dependent children (under age 26) at any time during the year, Open Enrollment is a good time to evaluate your insurance needs and whether you need to add or increase life insurance on your dependents.

You can also enroll in life insurance if you are a new employee or if you have a life-changing event, such as gaining a new child, getting married, or getting divorced.

Don't Miss Out!

You must take action to take advantage of certain benefits available to you. Mandatory enrollment is required if you want:

• the Waiver General Purpose HRA,
• a Healthcare Flexible Spending Account, or
• a Child & Adult Daycare Flexible Spending Account.
• Your failure to affirmatively enroll in these benefits will result in the loss of benefits and carryover funds, see sections on these benefits for additional information.

Other Enrollment Circumstances

You MUST enroll if:

You want to change your health insurance plan.

You want to add or drop dependents.

You want to change or elect a dental or vision plan.

You want to change or elect an optional life insurance plan for you or your dependents.

Although you may not be required to re-enroll, we encourage you to review your plan options and ensure that the plan you currently have still meets your needs.

You don't have to enroll if:

• You want to keep your current health insurance plan.
• You currently have a Waiver Limited Purpose HRA and you want to keep it.
• You are a Kentucky Public Pension Authority (KPPA) or Teachers' Retirement System (TRS) retiree under the age of 65 who returned to work and want to keep your current health insurance plan with your active employer.
• You want to keep your current dental and vision insurance plan.