Edward Jones | 2027 Open Enrollment

Welcome to Benefits Open Enrollment. You have the opportunity to enroll from Oct. 26 through Nov. 13.

Your mental, emotional, physical, financial and social needs are important. We’re making changes to ensure the firm supports your health care needs while offsetting rising costs. And we’ll continue working to better serve your needs.

Please invest the time you need to learn about your options so you can choose what’s best for you and your family. You must actively enroll if you want to:

Change coverage elections.
Contribute to a spending account (Health Savings Account, Flexible Spending Account or Dependent Care Reimbursement Account) for use in 2027.* Your current elections will not roll over.
Elect or drop voluntary plans online through the MetLife website: legal plan coverage, identity and fraud protection, pet insurance, and accident, critical illness or hospital indemnity insurance.**

If you don’t take any action, your health, dental, vision and voluntary plans coverage will continue.

* The HSA is not an Edward D. Jones sponsored benefit. Eligibility requirements apply, and contribution limits are set by the IRS.
** Identity and fraud protection and pet insurance are voluntary benefits, not Edward Jones sponsored or ERISA plans.

See what’s changing in
2027 >

Get help choosing
benefits >

View 2027 premiums >

Ready to enroll
starting 10/26? >

Updates for the year ahead

For 2027, we’re keeping the plans, deductibles and out-of-pocket maximums the same as this year. Here are some key updates.

Enhanced cancer care program from Anthem

When you enroll in the Silver or Gold medical plan, Anthem’s cancer care program provides personalized support through care navigators who coordinate treatment and connect you to the top cancer centers of excellence across the country throughout your cancer journey. This program also promotes high-quality, cost-effective care by guiding providers to use the latest evidence-based treatment pathways.

GLP-1 weight loss drug support

Studies show many people don’t reach weight loss goals with medication alone. Lasting success often comes from combining medication with healthy lifestyle changes and ongoing support. So, we’ve added a new support requirement for those using a GLP-1 medication for weight loss.

If you take a GLP-1 for weight loss, you’ll need to participate monthly in Vida's GLP-1 Lifestyle Support program to continue filling your prescription, while making progress toward your goals.
If you take a GLP-1 for diabetes management, you are not required to participate in this program.

Vida Health, our health and weight management partner, offers personalized coaching, education and practical tools to help you make sustainable progress and support your long-term health. Learn more about Vida Health.

Spending account and HSA contribution limit increases

You can set aside even more tax-free money to pay for eligible health and dependent care expenses in 2027, thanks to changes in the IRS limits:

The Health Savings Account (HSA)* provides tax savings and helps you save for medical expenses. The new limit for total HSA contributions is $4,500 for associate-only coverage and $9,000 for all other tiers. You can contribute $1,000 more if you’ll be 55 or older in 2027. Both you and the firm may contribute to your account. For more information, contact HealthEquity, discuss your HSA with your financial advisor and check the eligibility section of the Tax-advantaged accounts page.
The contribution limits for the Health Flexible Spending Account (Health FSA) and Limited Purpose Flexible Spending Account (LPFSA) are increasing to $3,400.
The contribution limit for the Dependent Care Reimbursement Account remains at $7,500.

*The HSA is not an Edward D. Jones sponsored benefit. Eligibility requirements apply, and contribution limits are set by the IRS.

More benefits and savings

Surgery savings:

For many types of surgery, Lantern can connect you with board-certified surgeons delivering high-quality care and better outcomes at a lower cost. When using Lantern, your coinsurance for your procedure will be waived after you have met your deductible.

Health screening benefits:

The MetLife accident plan offers a $50 to $100 annual cash payment, and the critical illness plan offers a $50 annual cash payment when you or a covered family member completes one of the covered screenings or tests. (This is in addition to any medical plan premium discounts you may receive.)

Health and weight management support:

Vida Health provides personalized coaching and resources to help you lose weight, improve your well-being and prevent chronic conditions and health problems. It also supports chronic condition management with one-on-one help from medical professionals.

Don’t miss out on medical plan savings!

Dec. 4 is the deadline for completing health and well-being activities to earn up to $1,600 off your 2027 medical premium. Log in to Personify Health to take action.

* Well-being discounts are available to all associates enrolled in an Edward D. Jones medical plan outside the state of Hawaii.

Enroll or make changes by Nov. 13

When you’re ready to enroll, go to the Online Enrollment System starting Oct. 26 (must be on the Edward Jones network).

Premiums

Supporting the health and well-being of you and your family is one of the most important investments we make. Health care costs continue to increase due to higher costs for hospital services, prescription drugs and specialty and advanced treatments. As a result, rates will be increasing for 2027. Even as costs rise, we remain committed to paying the majority of your medical premiums as part of your Total Rewards. And we continue to work alongside our health care partners to manage costs while offering meaningful, dependable coverage. We’ve also made some thoughtful updates to help you balance coverage, affordability and access to care. View 2027 premiums for your role:

Home Office Associates

Client Support Team Members

Associate Financial Advisor

Financial Advisors

Principals

Get help choosing

Let ALEX help you find the right plans

This online decision support tool can help you choose the benefits plans that may best meet your needs. ALEX will ask you a few questions to understand you and your family's unique needs. It will help you estimate your expenses for 2027 and give personalized recommendations, allowing you to make confident and informed benefit choices. ALEX will also model how your HSA, FSA, LPFSA or DCRA might help you save and cover your out-of-pocket expenses.

Explore ALEX

Nearing age 65?

If you or a family member is nearing Medicare eligibility, you also may want to explore how Medicare works with your Edward Jones benefits by talking with a representative from SmartConnect at 833-460-4726. Representatives are available weekdays from 7:30 a.m. to 5 p.m. CT.

Medical plan refresher

Still wondering whether you’re choosing the right medical plan? Here’s a reminder of how the plans work and how they compare. For more information, visit the Medical and Prescription Drug page.

In-network preventive care

Plan pays
100%

Non-preventive medical and Rx

Deductible

You pay
100%

CoInsurance

Plan pays 80%

You pay 20%

Meet OOP maximum

Plan pays
100%

Watch: Your medical plan choices

Watch: How deductibles work

Watch: How coinsurance works

	Silver: Individual/Family	Gold: Individual/Family
In-network deductible	$4,000/$8,000	$2,000/$4,000
In-network out-of-pocket maximum	$6,000/$12,000	$4,000/$8,000
Out -of-network deductible	$6,000/$12,000	$4,000/$8,000
Out-of-network out-of-pocket maximum	$8,000/$16,000	$7,000/$14,000
Preventive care (no deductible)	Plan pays 100%	Plan pays 100%
Other covered care and prescriptions (before deductible)	You pay 100%	You pay 100%
Other covered care and prescriptions (after deductible, before OOP max)	Coinsurance: Plan pays 80%/You pay 20%	Coinsurance: Plan pays 80%/You pay 20%
Other covered care and prescriptions (after OOP max)	Plan pays 100%	Plan pays 100%

Ready to enroll?

Research the medical plan network. Make sure your doctors and hospitals are included in Anthem's network.
Visit ALEX for help choosing. This online decision support tool can help you choose the benefits plans that may best meet your needs.
Update your beneficiaries for life insurance and final wages when you enroll. To update your HSA beneficiaries, contact HealthEquity. To update your 401(k) beneficiaries, log in to your account on the Retirement Plan website.
Provide proof of eligibility if you add dependents during Open Enrollment. You’ll receive instructions from our third-party administrator, Aptia, via your Edward Jones email and at your mailing address after you enroll.
Review your final Confirmation Statement and notify the Open Enrollment Team no later than Nov. 27, 2026, if you need to make any corrections.
If you have questions, call the Open Enrollment Team at 855-898-5780 or OEBenefits@edwardjones.com. They’re available 7 a.m. to 5 p.m. CT starting Oct. 26.
When you’re ready to enroll, go to the Online Enrollment System (must be on the Edward Jones network).

View a printable PDF of the 2027 Enrollment Guide (SMM) mailed to associate homes.

Questions?

Starting Oct. 26, contact the Open Enrollment Team at 855-898-5780 or OEBenefits@edwardjones.com (Contact us via email) weekdays from 7 a.m. to 5 p.m. CT.