What's New for 2027
Open Enrollment: Your Annual Opportunity to Review & Update Your Benefits
Open Enrollment is your annual chance to adjust your benefits such as switching medical plans, enrolling in dental, or adding voluntary coverage like critical illness or hospital indemnity.
If you're happy with your 2026 coverage, most elections will carry over into 2027 (at 2027 rates). Exception: Health Savings Accounts (HSA) and Healthcare / Dependent Care FSAs do not roll over – you must re-enroll each year during Open Enrollment.
To elect an HSA or FSA or make any other changes for 2027, enroll online between October 27 - November 9, 2026.
New Healthcare Vendor: Lantern Surgery Care
Effective January 1, 2027, employees and dependents enrolled in the HRP or HSP medical plans will have access to services provided by Lantern Surgery Care. This new benefit is designed to help you navigate planned surgical care with confidence. Lantern connects you with high-quality, board-certified surgeons, provides personalized support throughout the surgical journey, and offers reduced out-of-pocket costs and travel assistance for eligible care. The benefit covers thousands of procedures across specialties including orthopedic, cardiac, gynecology, urology, and general surgery, making it easier to access quality care and achieve the best possible outcomes.
Illinois Residents Only: New 3-Tier Network – BCBS Blue Choice Options (BCO)
Employees on the HRP or HSP medical plans living in Illinois currently have two medical networks – in-network and out-of-network. Effective January 1, 2027, the medical plans for Illinois employees will have 3 BCBS networks:
- Tier 1, BCO with a lower member coinsurance (15% compared to current 20% in-network) and deeper network discounts resulting in employee and Ingredion cost savings! This network includes approximately 93% of providers who are currently in-network.
- Tier 2, which is the same as the current in-network plan design.
- Tier 3, which is the same as the current out-of-network plan design.
Voluntary Benefits Enhancements for 2027 at Lower Cost
Effective January 1, 2027, our Hospital Indemnity and Accident plans will both feature enhanced benefits, providing even greater financial protection and support when you need it most. In addition, employees enrolled in the Hospital Indemnity plan will benefit from reduced premium rates, making this valuable protection more affordable than ever. These enhancements reflect our ongoing commitment to offering competitive, meaningful benefits that help support you and your family’s health, well-being, and financial security.
No or Below Trend Premium Increases
We are pleased to announce non-union employee premium increases for both the HRP and HSP medical plans are below marketplace trend, coming in at an average of 6%. There is no premium increase to the vision plan or any voluntary life plans for 2027. All 2027 rates for non-union employees can be found in the Benefits-at-a-Glance. 2027 rates for union employees will be provided by the local Human Resources team.
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