Open Enrollment
Open Enrollment for 2027 benefits is Oct. 13 – 30, 2026
Complete your 2027 benefits enrollment by Oct. 30, 2026, 11:59 p.m. CT, by logging on to entergytotalrewards.com or the MyChoice Benefits AppTM.
If you do not make your benefits elections by this deadline, you will be enrolled in the same benefits you had in 2026, with the exception of your spending and savings accounts. You must re-enroll in the Health Care Flexible Spending Account and the Dependent Care Flexible Spending Account during Open Enrollment. To make pre-tax contributions to your Health Savings Account, you can re-enroll in the HSA during Open Enrollment or at any time during the year as long as you qualify. If you enroll outside of the Open Enrollment period, your HSA contributions will start at that time.
Enrollment tools
What’s new and what’s changing?
Enhanced benefits for 2027
The new year brings several enhancements to your benefits program. Along with new medical, pharmacy and dental partners, Entergy is introducing benefit improvements to provide additional value for employees and retirees in 2027.
New partners. Same coverage.
Starting in 2027, Entergy will partner with new administrators for medical, pharmacy and dental benefits. These specialized partners will provide enhanced network options while continuing to offer the quality coverage and provider discounts you rely on today.
Learn more about your new medical, pharmacy and dental partners.
What’s new for 2027? Enhanced 2027 benefits at no added cost
For bargaining unit employees, benefit enhancements may be subject to negotiation pursuant to applicable collective bargaining agreements.
- No contribution increase: Medical, dental and vision contributions will remain the same for employees and retirees who elect the same plan and coverage option and remain in the same employee status as in 2026. Contributions are the amounts deducted from employee paychecks or retiree pension checks, or billed directly to retirees.
- Tobacco surcharge eliminated: Eligible non-bargaining employees will no longer pay a tobacco surcharge.
- HSA company contribution: Entergy will make a $500 company contribution to your MyChoice HSA for eligible non-bargaining employees enrolled in Entergy's High-Deductible Health Plan. You must enroll in the MyChoice HSA to receive the Entergy contribution.
- More floating holidays: Employees will have two additional floating holidays (16 hours) to use throughout the year.
- Paid parental leave waiting period removed: There will now be no waiting period for paid parental leave for eligible employees.
- More time to use FSA funds: Health care FSA and Dependent care FSA participants now have until March 15 of the following year to use remaining funds from the current plan year for eligible expenses incurred during the grace period. This means you'll be able to use 2027 funds from Jan. 1, 2027 through March 15, 2028. (This does not apply to 2026; those funds must still be spent by Dec. 31, 2026.)
- Enhanced long-term disability coverage: LTD employee benefits will increase to 50% of eligible earnings for non-bargaining employees, up to $10,000 per month. The buy-up option to 65% of eligible earnings up to $15,000 per month remains available.
- Survivor Income Insurance ending: Voluntary Survivor Income Insurance will no longer be available to non-bargaining employees. Company-paid Basic Employee Life Insurance, the Active Death Benefit, Supplemental Employee Life Insurance and Dependent Life Insurance remain available.
- New life and AD&D partner - Unum is the new partner for Life and Accidental Death & Dismemberment coverage. Life and AD&D plan designs remain the same.
What happens if you take no action?
If you don’t take action during Open Enrollment, most of your current elections will automatically carry forward to 2027. This is known as passive enrollment.
- Medical, dental and pharmacy coverage: Your current plan elections and coverage options will automatically continue for 2027 with the new benefit partners.
- Health Savings Account, Health Care Flexible Spending Account and Dependent Care Flexible Spending Account: If you wish to contribute to any of these accounts in 2027, you must make an election during Open Enrollment. Otherwise, your 2027 contribution amount will default to $0.
Open Enrollment education sessions
Attend one of our interactive sessions to learn more about the 2027 enhancements, steps to complete Open Enrollment and more. Check out the available sessions and register today.
HDHP updates for 2027
The in-network deductible and out-of-pocket maximums for the High-Deductible Health Plan (medical insurance) will increase to:
- $1,750 for individual coverage; $5,250 maximum out-of-pocket
- $3,500 for family coverage; $10,500 maximum out-of-pocket
HSA updates for 2027
The IRS has also increased HSA annual contribution limits to:
- $4,500 for individual coverage
- $9,000 for family coverage
If you're 55+ you can also make an additional $1,000 catch-up contribution.
Rates
How much will I pay?
Your cost for each benefit option will be clearly displayed as you complete your enrollment on entergytotalrewards.com or the MyChoice benefits app.
In addition, starting Oct. 13, 2026, you can view medical, dental and vision rates on entergytotalrewards.com by navigating to the My Benefits page and selecting the Compare Plans icon.
Eligibility
Eligible employees
Who is eligible for Entergy benefits coverage?
- Entergy employees, their spouses and their biological or legally adopted children (or children for whom the adoption process has been initiated) under the age of 26.
- A child you are required to cover pursuant to a Qualified Medical Child Support Order.
- A disabled child who is dependent on you for financial security may be covered beyond age 26.
- A child who lives with you and for whom you or your spouse is the legal guardian.
The terms above are general in nature; please review the applicable Summary Plan Description to determine whether you, your spouse or your child are eligible for benefits. If the list above conflicts with the SPD or the Plan Document, the terms of the relevant SPD and Plan Document control in every instance.
New hires
Have you recently joined Entergy?
You are eligible for benefits on your date of hire. You have 30 days from date of hire to complete your New Hire Enrollment for Entergy benefits.
Please note that, if Open Enrollment falls during your initial eligibility for benefits, you will need to complete two enrollments:
- New Hire Enrollment: for benefits coverage for the remainder of 2026.
- Open Enrollment: Elections made during Open Enrollment are effective Jan. 1, 2027.
Dependent verification
Any time you add a new dependent to your coverage, you will be required to provide proof of your relationship. This step is known as dependent verification.
Important: You have 30 days after completing your Open Enrollment, New Hire Enrollment or change due to a qualifying life event to provide the required documentation. Dependent coverage is not activated until acceptable documentation has been submitted and approved.
Tools to help you enroll
MyChoice Benefits AppTM
The MyChoice Benefits App gives you access to all of your benefits from the palm of your hand. Access all the details of your plan choices and enroll on the go. You can also verify your dependents and store digital versions of your ID cards, so you never leave home without them.
SofiaSM
We all have benefits questions from time to time. Does my plan cover this? Is my dependent verified? You can get answers to these questions and many more when you chat with Sofia! Sofia is your personal benefits assistant, and she is available to chat 24 hours a day. You can chat with Sofia on the MyChoice Benefits App or by logging in to the enrollment site via entergytotalrewards.com.
Need help choosing?
Not sure which benefits are a good fit for you and your family? Choose I’d Like Help Choosing Plans when you enroll and answer a few questions to find the plans that best fit your unique needs.
Please note: Your responses are never shared with Entergy.
For more information on contributions, plan details and eligibility, log on to entergytotalrewards.com.