Open Enrollment

Open Enrollment for 2023 is now closed. Your next opportunity to change plans, and add or drop dependents from coverage is when you experience a Qualifying Life Event or during the next Open Enrollment in the fall.

Enrolling in Stanford benefits as a new hire

• When to enroll: New hires through the end of 2022 will have two enrollment events to complete. You have 31 days from your hire date to enroll in or waive your 2022 benefits as a new hire through the My Benefits portal. Once you complete your new hire event you can then make elections for 2023 as part of Open Enrollment. Coverage begins on your date of hire for most benefits, including medical, dental and vision insurance. Please note that you cannot elect a flexible spending account or health savings account for the remainder of 2022 as part of your new hire event. You can elect them for 2023 through your Open Enrollment event. 
• Default coverage: If you do not elect or waive benefits, you will be enrolled in default coverage for yourself, at a cost to you. Default coverage for full-time employees is the Healthcare + Savings HDHP medical plan, Delta Dental Basic PPO plan, basic life insurance, short-term and long-term disability, and Business Travel Accident insurance.
• Adding dependents to coverage: You have 31 days from your hire date to enroll dependents in coverage. Read more about how to certify dependents

	Step 1: NEW! Use Nayya to help guide your benefits decisions Our new online decision tool asks you questions about who you cover, how much you expect to use the plan, and your budget. You receive personalized recommendations based on your answers.  NOTE: To log in, click on the link below, and enter your Stanford email address (SUNetID@stanford.edu or SUNetID@slac.stanford.edu). From there, it will take you to the Stanford SUNetID login page. Once you are authenticated, you will be directed to your Nayya account to get started.  Get started with Nayya
	Step 2: Compare your plan options with the Cardinal at Work Comparison Tool Compare costs and a high-level overview of the covered services under each plan. Compare plans
	Step 3: Get answers from the experts: Included Health  New hires, get free, unbiased support and answers to your questions about the plans. Experts can also help you find in-network doctors and hospitals. Call Included Health

Make your elections online

What’s staying the same in 2023?

• You have access to the same medical, dental, and vision plans in 2023.
• Kaiser remains the lowest-cost plan, and employee-only coverage in Kaiser remains free for all full-time employees.
• Healthcare + Savings HDHP and ACA Basic HDHP will continue to have year-round concierge support through Included Health.
• The Delta Dental Basic Plan is still free for full-time employees and their dependents. 
• There is no change in costs for the VSP vision plan.

Health care costs for 2023

As we emerge from the pandemic, Stanford and other employer health plans across the nation are experiencing higher demand for medical services—and this demand is driving the cost of health care. The costs for Kaiser HMO (all levels except employee-only coverage), Trio and Stanford Health Care Alliance (SHCA) will increase in 2023. There is also a slight increase to the Enhanced Dental plan. 

The Kaiser HMO will continue to be free to full-time employees for employee-only coverage. Employee contributions for the Healthcare + Savings HDHP are decreasing, and contributions for ACA Basic HDHP and Out of Area Healthcare + Savings HDHP will remain the same.

Learn more about your costs for medical coverage and find help choosing the right medical plan for your family:

Open Enrollment eGuidebookView the 2023 Employee Contribution Rates