Open Enrollment is your opportunity to own your benefits in 2027. Healthcare costs are expected to continue rising in 2027. During this year’s Open Enrollment, it’s important that you evaluate your needs and choose plans that meet your needs and your budget.
2027 Open Enrollment begins on November 2 and ends on November 13, 2026 at 11:59 pm MT.
You have a variety of resources to learn about your 2027 benefits. Scan the Open Enrollment information on this page, download the Open Enrollment Decision Guide, watch an Open Enrollment video, join an Open Enrollment webinar or a webinar about some of our new benefits, talk to ALEX (the online benefits counselor), view the 2027 Benefits Guide and Rate Sheet, and more.
Jump to Sections on This Page
- Download the 2027 Open Enrollment Decision Guide
- Watch the 2027 Open Enrollment Video
- Changes to Medical Benefits in 2027
- Changes to Other Benefits in 2027
- Access a 2027 Benefits Guide and Rate Sheet
- Join a Live Webinar on Open Enrollment, New UHC Surest Copay Plan, New Rightway Rx Benefits, Voluntary Benefits Enhancements, Health Savings Accounts and Medicare
- Say Hello to ALEX, Your Online Benefits Counselor
- How to Enroll During Open Enrollment
- Open Enrollment Aftercare
Download the 2027 Open Enrollment Decision Guide
The Open Enrollment Decision Guide gives you everything you need to know about what’s new and what’s changing in 2027, and the actions you should take to make sure you are enrolled in the best benefits that meet your needs and your budget in 2027.
Qualifying Life Events that Occur During the Open Enrollment Period
During the 2027 Open Enrollment period (November 2-13, 2026), you will not be able to report any qualifying life events using self-service in myACI Benefits.
If you need to report a qualifying life event between November 2 and November 13, 2026, please call the Associate Experience Center at 888-255-2269, Monday-Friday, 6 am to 6 pm AZ time.
Important Information for Q4 2026 New Hires and Associates Newly Eligible for Benefits
Because of the timing of when your benefits become effective in 2026, you will need to enroll in benefits twice in the upcoming weeks – once to choose your benefits for the remainder of 2026, and once to choose your benefits for 2027. Read this flyer for details.
IMPORTANT
The EPO Network and EPO HP-Network medical plans will be discontinued effective December 31, 2026. If you are enrolled in either medical plan, you must choose a new medical plan for 2027 during Open Enrollment. If you do not select a new medical plan, your medical plan coverage will default to the Blue Cross of Idaho PPO medical plan with the same coverage category that you have today with higher weekly paycheck contributions.
The UHC Surest Copay Plan is an innovative health plan designed to simplify healthcare with predictable upfront copays, no deductibles or coinsurance, and a large nationwide network of providers through UnitedHealthcare.
Surest members have the power to shop for health care like they do everything else—online or via an app. With a simple search in the Surest app, you can check costs and compare care options before making an appointment. Copays are lower for providers evaluated as higher value, based on quality, efficiency, and overall effectiveness of care.
Plan Highlights
- No deductibles, no coinsurance
- Copay price based on service and provider selection
- Offers a single copay for most services provided in the same appointment, making it easier to know exactly what you will pay
- Access to the UnitedHealthcare national provider network
- Intuitive technology enhances decision-making, offering search and comparison tools designed to work like a familiar online shopping experience
- Extensive range of virtual care programs including medical, mental health and specialty care services
Learn More About the UHC Surest Copay Plan
Visit surest.care/albertsons before you enroll to preview the plan, search providers, see actual copays (not estimates) and compare care options.
You can also call Surest at 866-683-6440 Monday-Friday, 5 am to 8 pm MT to ask questions about the UHC Surest Copay Plan. If prompted, provide access code aci2027.
Attend a UHC Surest Copay Plan Webinar
October 26 at 12 pm MT
Join us for a overview of the new UHC Surest Copay Medical Plan with predictable, upfront copays, no deductibles or coinsurance. Shop for health care online or via the app with lower copays for providers evaluated as higher value, based on quality and effectiveness of care. Get more information on the webinar.
Download Surest Flyers
IMPORTANT
Currently, if you cover your spouse or domestic partner under your Albertsons medical plan and they qualify for medical coverage through their own employer, you pay a weekly surcharge. Beginning January 1, 2027, a spouse or domestic partner who qualifies for medical coverage through their own employer will be excluded from coverage under an Albertsons medical plan.*
Your spouse or domestic partner is eligible for Albertsons medical coverage if they:
- Do not work
- Are eligible for Medicare
- Are employed but do not have access to employer-provided medical coverage; or
- Are self-employed
* Not applicable to union associates and Shaw’s non-union drivers.
Bariatric surgery will no longer be covered under any Blue Cross of Idaho (BCI) medical plans and will not be covered under the UHC Surest Copay Plan.*
* Does not apply to Jewel Union Local 881 and Jewel Local 710.
PPO Plan
- The annual deductible is increasing from $1,300 to $1,425 for associate-only coverage and from $2,600 to $2,850 for family coverage.
- The annual out-of-pocket maximum is increasing from $4,700 to $4,950 for associate-only coverage and from $9,400 to $9,900 for family coverage.
HSA Plan
- The annual deductible is increasing from $2,400 to $2,525 for associate-only coverage and from $4,800 to $5,050 for family coverage.
- The annual out-of-pocket maximum is increasing from $6,200 to $6,450 for associate-only coverage and from $12,400 to $12,900 for family coverage.
If you live in Arizona, Washington DC or Illinois (Cook, DuPage, Kane, Kankakee, Lake, McHenry or Will county) and you are enrolled in the PPO or HSA Plan, you have access to a smaller, lower cost network of doctors and hospitals designed to save money.
Arizona
- PPO Plan AZ Blue Alternative*
- HSA Plan AZ Blue Alternative
Washington DC
- PPO Plan DC Blue Choice Adv*
- HSA Plan DC Blue Choice Adv
Illinois
- HSA Plan Blue Choice Options
* Associates enrolled in the EPO or EPO-HP Network Plan who do not take enrollment action during Open Enrollment will default to the PPO Plan AZ Blue Alternative in Arizona or PPO Plan DC Blue Choice Adv in Washington DC with the same coverage level.
In 2027, Rightway will replace MedImpact as the Pharmacy Benefit Manager for all Blue Cross of Idaho (BCI) medical plans, UHC Surest Copay Plan, BCBS Illinois HMO, HMSA and SelectHealth. With Rightway, you’ll have a new way to manage your prescriptions with an easy-to-use app, and expert support from licensed pharmacists.
You’ll have direct access to licensed pharmacists and pharmacy technicians who help you save time and money. The Rightway pharmacy team is here to:
- Explain your prescription drug coverage.
- Compare medication prices and find lower-cost options.
- Contact your provider to obtain prior authorization.
- Answer questions about medications and side effects.
Is My Current Prescription Covered Through Rightway?
If coverage for your current medication is changing, you’ll receive a letter with details on alternative options covered under the plan. The Rightway pharmacy team can help you switch to a more cost-effective medication if appropriate.
Visit www.rightwayhealthcare.com/albertsons to view a list of covered medications.
Rightway Preventive Drug Lists
Specified Preventive Drugs: Under the Affordable Care Act (ACA), some medications specified on the essential drug list may have limited or $0 cost-sharing when you fill the prescription at a Company pharmacy or Rightway network pharmacy. Click here to download the Rightway list of specified preventive drugs.
Additional Preventive Drugs: If you are enrolled in the HSA Plan, additional preventive drugs may have limited or $0 cost-sharing when you fill the prescription at a Company pharmacy or Rightway network pharmacy. Click here to download the Rightway list of additional preventive drugs.
Get Early Access to Your New Pharmacy Benefit in the Rightway App
Associates can set up their Rightway account now and get early access to personalized support from the Rightway team. Our pharmacy experts can answer questions about your prescription drug coverage, find the lowest medication prices, and more. Note that early access is not available for covered dependents.
Getting started is easy. Scan the QR code to download the Rightway app or visit www.rightwayhealth.com/albertsons.
Watch a Rightway Recorded Webinar
Have Questions?
- 24/7 Phone Support: 833-502-9061
- Email: rwtx@rightwayhealthcare.com
Rx Copays (30 and 90-day supply) for generic, preferred brand and non-preferred brand are increasing as shown below.
1 After deductible
Due to IRS changes in 2027, the annual deductible and out-of-pocket maximums for the Kaiser CA High Deductible HSA Plan are changing as shown below.
- The annual deductible is increasing from $1,700 to $1,750 for associate-only coverage and from $3,400 to $3,500 for family coverage.
- The annual out-of-pocket maximum is increasing from $3,400 to $3,500 for associate-only coverage and from $6,800 to $7,000 for family coverage.
- Weekly contributions for most medical and dental plans are increasing in 2027. Albertsons will continue to pay the majority of the cost.
- Access a 2027 Rate Sheet in myACI. Sign in to your account. From the Me tab, choose the Benefits Resources tile, then select the 2027 Rate Sheet.
OneImaging is a comprehensive radiology network designed to reduce the cost of medical imaging if you are enrolled in a BCI medical plan or the UHC Surest Copay Plan. You can save up to 80% on MRIs, CT scans, X-rays and ultrasounds when you use OneImaging accredited facilities.
OneImaging offers concierge support to guide you through every step — from scheduling to receiving your results. OneImaging services are available to associates and dependents covered under a Blue Cross of Idaho (BCI) medical plan or the UHC Surest Copay Plan. With OneImaging, you get:
- Top quality imaging: OneImaging works with accredited centers, certified radiologists, and advanced technology to ensure fast, accurate results.
- Personalized care: OneImaging will schedule your exam and support you through the process.
- Significant savings: Most members save up to 80% compared to traditional imaging costs.
- Transparent pricing: Know your cost upfront with no surprises.
Have Questions?
Call or text OneImaging at 833-619-0837, daily, 5 am to 8 pm MT or send an email to help@oneimaging.com.
Annual contribution limits for the health savings account (HSA), healthcare flexible spending account (FSA) and commuter benefits are increasing in 2027 to help you save more on eligible healthcare and commuter expenses.
You must enroll in myACI Benefits each year to participate in an HSA or FSA. Current elections from 2026 do not roll over to 2027. To enroll in Commuter Benefits, visit the Health Equity Commuter Benefits page.
Dependent Day Care Non-Discrimination Testing
For highly compensated associates earning $160,000 or more in 2026, your contribution limit to a Dependent Day Care FSA may be reduced in 2027 based on the results of IRS non-discrimination testing completed in Q1 2027.
Company-Paid Basic Life Insurance
Company-paid basic life insurance is changing from 2X annual base pay to 1X annual base pay for non-union associates.
Optional Life Insurance
The maximum amount of associate coverage is increasing from 8X annual base pay to 9X annual base pay up to $2,500,000 for union and non-union associates.
Special Enrollment Opportunity for Optional Life Insurance
During this year’s Open Enrollment period, you have a special one-time opportunity to enroll or increase life insurance coverage for yourself or spouse/domestic partner without evidence of insurability (EOI) — no medical questions, up to the amounts shown below.
Non-Union Associates with Basic Life Insurance Changing from 2X to 1X Annual Base Pay
You can increase optional life insurance for yourself 1X annual base pay without EOI up to $2,500,000.
All Eligible Associates and Spouse/Domestic Partners
Special Enrollment Opportunity for Long-Term Disability Insurance
Disability insurance ensures that you have a financial safety net in place should you become unable to work. Long-term disability insurance pays 60% of eligible base pay + bonus up to $25,000 per month after a 180-day elimination period. You pay for this coverage with after-tax paycheck contributions.
During this year’s Open Enrollment period, you have a special one-time opportunity to enroll yourself in long-term disability insurance without EOI. After Open Enrollment, any request to enroll in long-term disability insurance will require EOI and approval by The Hartford.
The Hartford is the new carrier for voluntary benefits currently offered through Aflac or Unum for critical illness, accident and hospital indemnity insurance. Here’s what you need to know:
- Payroll deductions for Aflac and Unum voluntary benefits will end with the last paycheck of 2026.
- Voluntary benefits offered through The Hartford are similar to the options offered through Aflac or Unum with a number of benefit enhancements.
- If you currently have one or more voluntary policies through Aflac or Unum, your coverage will be automatically transferred to The Hartford in the same (or similar coverage) effective January 1, 2027. If you do not want the voluntary coverage that is automatically transferred to The Hartford, you must take enrollment action during Open Enrollment to waive coverage for critical illness, accident or hospital indemnity insurance.
Voluntary benefits available through The Hartford provide an additional layer of financial protection. You do not need to be enrolled in a Company-sponsored medical plan to enroll in voluntary benefits. Keep in mind that the voluntary benefits do not replace your medical insurance — they supplement it. Coverage is available for you, your spouse/domestic partner and your children.
More information on voluntary benefits is available on The Hartford website. Click on the links below.
New for 2027, the LegalEASE Legal Assistance Plan can help reduce the stress of finding and paying for legal expertise when you need it most. LegalEASE offers the Legal Assistance Plan that provides support and protection for unexpected personal legal issues.
Plan Highlights
- Access to a national network of more than 23,000 attorneys with exceptional experience that are matched to meet your personal legal needs
- In- and out-of-network coverage
- Concierge help navigating common individual or family legal issues
LegalEASE saves you time and money with coverage provided for:
- Estate Planning (wills, trusts, powers of attorney)
- Family (adoption, child custody, divorce)
- Traffic
- Real Estate
- Financial ( debt collection, bankruptcy, contracts)
You can choose coverage for yourself and your immediate family as well as coverage for your parents and parents-in-law.
Questions?
Download a list of LegalEASE covered services.
To learn more about the plan, visit www.legaleaseplan.com/albertsons, or call 855-230-9376.
Access a 2027 Benefits Guide, 2027 Rate Sheet and More
Visit the Benefits Resources page in myACI to access the 2027 Benefits Guide and Rate Sheet, launch ALEX, download an Eligibility Flyer, and view Summaries of Benefits and Coverage (SBC) for our medical plans.
Open Enrollment Webinars
Join a 2027 Open Enrollment webinar to learn everything you need to know about Open Enrollment including what’s new for 2027, how to enroll using myACI Benefits, where to find benefits and enrollment resources, and more.
October 28 at 12 pm MT
November 2 at 12 pm MT
November 3 at 10 am MT
November 5 at 12 pm MT
November 7 at 9 am MT
Understanding Your Rightway Prescription Benefits Webinar
Learn about our prescription benefits through Rightway, our new Pharmacy Benefits Manager for all medical plans except plans through Kaiser.
Exploring the UHC Surest Copay Medical Plan Webinar
Join us for a overview of the new UHC Surest Copay Medical Plan with predictable, upfront copays, no deductibles or coinsurance. Shop for health care online or via the app with lower copays for providers evaluated as higher value, based on quality and effectiveness of care.
October 26 at 12 pm MT
HSA Webinars
Watch the HSA Basics webinar recording to learn how a health savings account (HSA) works and can help you save money. Watch the HSA Advanced webinar recording to learn more about investing your HSA dollars, using your HSA funds for retirement, and more.
HSA Basics Webinar
October 29 at 12 pm MT
HSA Advanced Webinar
November 3 at 12 pm MT
Click here for more information about a Health Savings Account.
The Hartford Life Insurance & Voluntary Benefits Overview Webinar
Explore new life insurance coverage options with a special enrollment opportunity and enhanced voluntary benefits for critical illness, accident and hospital indemnity insurance through The Hartford.
November 4 at 12 pm MT
Medicare 101 Webinar
Come learn everything you ever wanted to know about Medicare in this informative one-hour webinar. We will go through general Medicare information and share two useful resources you have available to you as an Albertsons associate.
October 27 at 12 pm MT
Click here for more information on Medicare resources available to you.
Say Hello to ALEX, Your Online Benefits Counselor
ALEX is your online benefits counselor who will explain your benefits in simple, easy-to-understand language. ALEX recommends benefits and coverage options that will meet your needs and your budget. ALEX has been updated for 2027 and is ready to talk to you now about next year’s benefits. Learn more.
Watch a quick Open Enrollment Sneak Peek video.
How to Enroll During Open Enrollment
During the 2027 Open Enrollment period (November 2-13), you will use myACI Benefits to enroll or make changes to your benefits, update dependent information and verify or update your beneficiary designations for life and accidental death and dismemberment (AD&D) insurance.
When you’re ready to enroll, follow these steps:
- Sign in at myACI.albertsons.com.
- From the Me tab, click on the Benefits tile.
- Click on the Enroll Now button.
- Choose between Express Enrollment and Discovery Enrollment (see below).
- Follow the onscreen instructions to enroll or update your coverage elections.
- Complete a short post-enrollment survey to help us continue to improve our benefit communications and online enrollment process.
Express Enrollment allows you to review your current enrollment and choose whether or not you want to make any changes without going through all the plan options.
Discovery Enrollment takes you through each benefit and shows you all of the options, so that you can see all of the choices available to you.
More information on Open Enrollment after care coming soon.
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