What's New for 2027
Here's a quick look at what changed — and what stayed the same — for the new plan year.
⚡ Action required: Even if you want to keep the same benefits as last year, you must log in and confirm your elections during Open Enrollment (Nov 1–22, 2026). Elections do not automatically carry over for HSA and FSA accounts.
Key Changes This Year
New: HDHP Gold Plan Added
We've added a third medical option — the HDHP Gold Plan — with a lower deductible than our standard HDHP and full HSA eligibility. This gives employees who want HSA savings but prefer a lower deductible a middle-ground option.
Ten Key HSA Contribution Increased
If you enroll in either HDHP plan, Ten Key will contribute $750 (employee-only) or $1,500 (family) to your HSA — up from $500/$1,000 last year. That's free money toward your healthcare costs.
Dental: Orthodontia Now Covered for Adults
Our dental plan now covers orthodontia (braces and aligners) for employees and dependents of all ages, up to a $1,500 lifetime maximum. Previously, coverage was limited to dependents under 19.
Vision: Contact Lens Allowance Increased
The annual contact lens allowance increases from $150 to $200 per covered person. The frame allowance remains $200 with a 20% discount on amounts above the allowance.
Mental Health: Telehealth Visits Now $0
All three medical plans now cover unlimited telehealth mental health visits at no cost to you. In-person mental health visits are covered at the same rate as primary care.
Prescription: Generic Drugs Now $5 Copay
Generic prescription copays drop from $10 to $5 on all plans. Preferred brand and specialty tiers remain unchanged.
What Stayed the Same
- Ten Key pays 80% of the employee-only premium for all medical plans
- Dental and vision premiums are unchanged
- Life insurance: Ten Key provides 1x salary at no cost to you
- Short-term disability: 100% employer-paid, 60% of salary for up to 12 weeks
- Employee Assistance Program (EAP): free, confidential counseling and resources
- 401(k) match: 100% of first 4% of your contribution