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Open Enrollment

Your online guide to changing your benefits for 2021. Make your elections online from Oct. 26 to Nov. 13, 2020.

Outside of a qualifying life event, Open Enrollment is your chance to change plans, and add or drop dependents from coverage. Changes you make during Open Enrollment will be effective Jan. 1, 2021.

Events this week


 

View full schedule & details


What's staying the same in 2021

  • Employees have access to the same five medical plans, the same two dental plans and the same vision plan for 2021.
  • There are no changes in copays, deductibles or out-of-pocket maximums.
  • Some semi-monthly premium rates have increased, and some remain unchanged from 2020.
  • Kaiser remains the lowest-cost plan, and employee-only coverage in Kaiser remains free for full-time employees.
  • The Delta Dental Basic plan is still free for full-time employee and dependent coverage; there is a slight increase in the Delta Dental Enhanced plan. There is no change in costs for the VSP vision plan for 2021.

View Employee Contribution Rates for 2021

 

Are you thinking about changing plans for 2021?

Choose a Stanford medical plan that works for your family. There is no “one size fits all” medical plan, so if you aren’t sure where to start, these prompts might set you on the right path.

View the PDF

View the text-only version of the infographic


What's new for 2021

Attend the Virtual Open Enrollment & Wellness Fair

Connect with vendors, learn more about your benefits and design a plan to prioritize your well-being. Join the fun for three days of lunchtime fitness class demos and Healthy Living class teasers. Plus, attend one of the six live Open Enrollment information sessions on Zoom if you have questions about changing your benefits for 2021.

See the full schedule


Stanford is increasing its HSA contribution

The university's contribution to health savings accounts in 2021 will increase to $750 for employee-only coverage or $1,500 for dependent coverage. The IRS annual contribution limits are also increasing to $3,600 for employee-only coverage and $7,200 for dependent coverage. How can you benefit from an HSA (besides a generous Stanford contribution)?

Learn more about HSAs from HealthEquity


Increases to what you can save, and rollover, into your health care FSA

In 2021, contribute up to $2,750 in before-tax dollars to your health care FSA (an increase of $50). The IRS has increased the rollover limit; you can rollover up to $550 of unused FSA dollars to 2021.

Learn more about your health care FSA



What can I buy with my HSA and FSA?

The IRS expanded the list of eligible expenses to include over-the-counter products, face masks and more.

View the PDF

View the text-only version of the infographic



Teladoc services continuing for some plans in 2021

If you are enrolled in the Stanford Health Care Alliance (SHCA), the Healthcare + Savings or ACA Basic High Deductible medical plans, you can take advantage of Teladoc, which gives you access to U.S. board-certified providers 24 hours, 7 days a week through phone, video or mobile app visits. All three plans are offering this service for the remainder of 2020 and through the 2021 plan year.

Read how it works


Reminders

  • Every year you must renew: your health savings account (HSA), health care flexible spending account (FSA), dependent day care FSA, Child Care Subsidy Grant (CCSG), and Medical Contribution Assistance Program (MCAP) award. These benefits do not automatically roll over.
  • Waive coverage: Employees who don’t need medical coverage through Stanford next year may waive coverage during Open Enrollment.

  • Only during Open Enrollment: Outside of your new hire window, you can only enroll in critical illness insurance and pre-paid legal services during Open Enrollment.