What's New for 2027
Note: Some links on this page are Regeneron Intranet links that can only be accessed from the company network.
What's New and Changing
Medical & Vision Plan Updates
Medical Plan Cost Updates
Health care costs continue to rise across the nation. While Regeneron will continue to absorb much of these costs, you will see a 7.5% increase to your bi-weekly medical plan contributions in 2027. Some deductibles, out-of-pocket maximums and copays will be increasing as well, depending on which plan you choose.
Aetna Medical Plan
Aetna Medical Plans will no longer have age limits on nutritional counseling.
Capital District Physicians Health Plan (CDPHP) & Excellus Merger: What to Expect
- New ID cards: All members, including each dependent, will receive new cards with a new subscriber ID number. Keep using your current card through Dec. 31, 2026.
- Expanded provider network: Broader access through Excellus from Buffalo to Albany, along with MagnaCare and First Health national networks.
- New tools and services: A 24/7 Nurse Line, MD Live telemedicine, the WellFrame care management app and Healthwise health education.
- Monthly health summary of all claims will replace individual EOBs.
Vision Plan
- Separate allowances: Each member will receive a $200 allowance for frames and a separate $200 allowance for contact lenses per calendar year
- Retinal screening and scans will be covered at no cost.
- KidsCare: Dependents through age 18 will now have access to two eye exams each year, coverage for glasses or contacts regardless of base frequency, an additional pair of glasses if the prescription changes and coverage for vision therapy.
Life Insurance and AD&D
Supplemental Spouse Life & AD&D
- The maximum coverage amount is increasing from $150,000 to $250,000
- Coverage cannot exceed 100% of your own life insurance coverage (basic + supplemental combined)
- If you are enrolling for the first time or increasing coverage, up to $50,000 is guaranteed without needing to provide proof of good health
Supplemental Child Life & AD&D
- The maximum coverage amount is increasing from $10,000 to $20,000
- Up to $20,000 is guaranteed without needing to provide proof of good health
New Rule — More Flexibility for You
- Previously, you were required to carry supplemental life insurance on yourself in order to elect coverage for your spouse or child
- This requirement is being removed — you can now elect spouse and/or child life coverage independently, without having to carry supplemental coverage on yourself
Employee Assistance Program
Journey will become our global EAP provider, replacing Resources for Living in the U.S.
Because many of you are already familiar with Journey Live for everyday wellbeing support, this integration brings your EAP services and wellbeing resources together in one place, creating a single, holistic experience to support your mental, emotional, and everyday needs.
No matter where you are, you will have seamless access to the right support, at the right time.
Saving and Spending Accounts
Maximums for the Health Savings Account (HSA), Flexible Spending Accounts (FSAs) and Commuter Benefit are increasing for 2027.
Health Savings Account - $4,500 Individual / $9,000 Family Health Care FSA - $3,500* Dependent Care FSA - $7,500 Commuter Benefit - $350*
401(k) Savings Plan
The projected IRS contribution limits for 2027 are:
For employees under 50: The limit will increase by $1,000 to $24,500* in 2027.
For employees aged 50 and over: The standard catch-up contribution will increase to $8,000* in 2027.
For employees aged 60 to 63: A special "super" catch-up contribution will increase to $11,250* in 2027. This replaces the standard catch-up contribution; it is not in addition to it.
*Projected 2027 IRS limits
Medical Updates
Health care costs continue to rise across the nation. While Regeneron will continue to absorb much of these costs, you will see a 7.5% increase to your bi-weekly medical plan contributions in 2027. Some deductibles, out-of-pocket maximums and copays will be increasing as well, depending on which plan you choose.
Prescription Drug Updates
- Maintenance Drugs: Beginning January 1, 2026, all maintenance medications must be filled in 90-day supplies and at a participating Maintenance Choice pharmacy or though CVS mail order. If you currently use a pharmacy that is not affiliated with Maintenance Choice, you will need to switch to a preferred pharmacy for full coverage.
- What is a maintenance drug? A maintenance medication is medicine taken regularly to manage long-term health issues, prevent diseases from getting worse, and help people stay healthy. Click here to review a list of Maintenance Drugs*.
Maintenance Choice Pharmacies:
- CVS
- Kroger
- Costco
- If you're uncertain whether the medication you're taking is classified as a maintenance drug, you can contact CVS Customer Care at 888-626-1109 for assistance. They can provide clarification and help address any questions you may have.
- Specialty Drugs: Beginning January 1, 2026, any specialty medications will need to be filled through CVS Specialty Pharmacy.
- What is a Specialty Drug? A specialty drug is used to treat serious or rare health conditions. It often needs special handling, monitoring, or administration and is usually available through specific pharmacies or providers.
*This is not inclusive of all Maintenance Drugs
