E83 – Health, Wealth & Tax Savings: The 2027 Open Enrollment Playbook

So open enrollment, a few changes to highlight.

We're going to do a high level overview today.

We'll have each of us jump in with some different talking points.

And then at just one point, we're going to talk about the new Kaiser plan for Georgia residents.

That'll be a Kaiser plus and a Kaiser HSA plan.

However, this only applies to those that live in Georgia.

So we're going to save that discussion for the end.

So for the rest of you, if you choose not to want to listen to it, you won't have to stick around for the end of the podcast.

So hopefully that'll make it a little bit more efficient.

Awesome.

Where do you want to start? Well, JD, you want to mention the surgery carve-out

this year? Yeah,

the rest of the plans are staying pretty stagnant.

Of course, healthcare is getting more expensive, so the price has changed a little bit this year.

But there is a new surgery fee on the gold HSA, the silver HSA, and the copay option.

If you do not use one of their surgery centers for orthopedic surgeries, you're going to get hit with a $500 fee.

Of course, the two contractual plans, the Delta Pilot Medical Plan or DPMP, and the Delta Pilot High Deductible Healthcare Plan, the DPHDHP, do not have that $500 fee.

Of course, that drives a difference now, the Gold HSA and the DPHDHP.

On certain pricing tiers like the family plan, it's an extra buck.

Of Due to rounding on the pulley only side, it's the same cost.

So I guess make the choice if you want to pay 12 extra dollars to have the contractual plan, I would suggest it, but you do you.

Okay.

And here we go with the alphabet soup, but the Delta Pilot high deductible health plan is essentially the same.

It's that memorialized gold HSA that we've been used to.

We froze it in time in 2023.