2027 Annual Enrollment

Although the cost of care continues to increase, State Farm absorbs much of this increase and continues to pay 80% or more of your health care premiums. It’s another way we continue to invest in you. See your monthly rates by zip code.

In-network deductibles and out-of-pocket maximums will increase for 2027, as shown below.

The in-network deductible for individual coverage will increase for 2027, as shown below; there will be no change to the deductible for family coverage.

This plan does not include out-of-network coverage. 

The BCBSIL QHDHP (with HSA) covers only in-network doctors and specialists. It does not provide out-of-network coverage, except for emergencies.

Check to see if your current doctors and facilities are part of this network. Any out-of-network expenses you incur will not be applied toward your deductible or out-of-pocket maximum.

Additional HSA savings opportunity 

In addition to the State Farm contribution to your Health Savings Account, you can contribute even more to your HSA, with higher IRS limits in 2027.

To take advantage of the new IRS maximum contribution levels, be sure to increase your contribution during annual enrollment.

Deductibles increase for all HMO plans except Hawaii

In-network deductibles will increase for all Kaiser HMO plans except Hawaii as follows:

These plans do not include out-of-network coverage.

Kaiser Permanente HMO plans covers only in-network doctors and specialists. They do not provide out-of-network coverage, except for emergencies.

Check to see if your current doctors and facilities are part of this network. Any out-of-network expenses you incur will not be applied toward your deductible or out-of-pocket maximum.

The allowance for frames and contact lenses is increasing in 2027. (Note: The table below does not show all features of the comprehensive vision plan; it only highlights the changes for 2027.)

Base Choice Plan

EasyOptions Premium Plan

The short-term disability (STD) plan provides salary continuation in the event you become unable to work due to a covered medical condition, as determined by New York Life Group Benefit Solutions. You’re eligible for STD benefits if you’re a full-time employee or a benefits-eligible, part-time employee (no need to enroll), but STD benefits don’t kick in until you’ve been with State Farm for six months.

Some aspects of the STD plan are changing in 2027. For information about these changes, check out this one-page overviewRestricted access information.

If you expect to have child care or elder care expenses in 2027, consider setting aside pre-tax dollars in a Dependent Care Flexible Spending Account (DCSFA) to make your paycheck go further. You won’t pay taxes on the funds you contribute to your DCFSA, but you will need to use all the money you set aside by December 31, 2027, or it will be forfeited. You have until March 31, 2028, to submit eligible claims incurred during 2027.

For 2027, you can set aside:

• Up to $7,500 if you’re married and file joint tax returns or you’re single
• Up to $3,750 if you’re married and file separate returns

Set aside up to the IRS limit in pre-tax dollars for eligible health care expenses in a Health Care Flexible Spending Account (HCFSA). You can carry over $30–$550 of unused 2026 funds into 2027.

If contingency planning is a priority, annual enrollment is your once-a-year opportunity to purchase life insurance and voluntary accidental death and dismemberment (AD&D) insurance for yourself, your spouse or domestic partner, and your children. The plans pay a benefit to your designated beneficiaries upon death or to the insured upon the loss of a limb.