Benefits Open Enrollment: Oct. 14–30, 2026
Our Greatest Investment Is You.
Check out the open enrollment newsletter in English and Español:
Choose benefits to support what matters most.
This is your once-a-year chance to look at your benefits and ensure you have the right coverage for yourself and your family in the next year.
Johns Hopkins Health System is making it simple for you to review, enroll in, change or drop these benefits:
- Medical and prescription drug, dental and vision insurance
- Health and dependent care flexible spending accounts (FSAs)
- Additional (supplemental) life insurance for yourself and your dependents
- Accident, critical illness and hospital indemnity insurance
- Prepaid legal services
- Long-term disability insurance
- Identity theft and fraud protection
If you currently cover dependents and will continue to cover them in 2027, you may need to provide documentation that verifies your relationship to confirm their coverage. Visit SmartSource to see if you have a task on your to-do list.
If you don’t provide the required documentation, your dependents will not have coverage in 2027.
If you don't do anything during open enrollment:
Your current benefits will continue in 2027, except flexible spending accounts (FSAs). If you want a healthcare or dependent care FSA for 2027, you must enroll in one during open enrollment. FSAs don’t carry over year to year.
Johns Hopkins All Children’s Hospital Employees: If you don’t choose a dental plan for 2027, you’ll automatically be enrolled in the Delta Dental High Plan.
If you were recently hired, you may need to enroll twice.
Questions?
Contact the HR Support Center at 443-997-5400 from 7 a.m.–5 p.m., Monday-Friday, or [email protected] .
Llame El Centro De Asistencia de Recursos Humanos al 443-997-5400, opción 9 de 7 a.m. a 5 p.m., de lunes a viernes, o mande un correo electrónico a [email protected] .
Ver myBenefits En Español
Toda la información de sus beneficios están disponible en esta página de mybenefits, disponible en cualquier dispositivo. Para ver myBenefits en español, seleccione Spanish en el menú desplegable Choose Language.
Visite Recursos En Español para más información sobre los beneficios en español.
Important Changes for 2027
JHHS is committed to fully investing in our employees: supporting financial security, health and well-being, providing competitive benefits and considering the needs of employees and their families.
U.S. healthcare insurance costs are increasing due to higher costs for services and medications, greater demand for care and broader access to specialty and advanced treatments. JHHS is working with our health plan partners to help manage these rising costs. Our greatest investment is you, and we will continue to pay most of the cost of employee health plan coverage, as well as 100% of the cost of your short-term disability and basic life insurance.
Employee medical contributions may increase for 2027, but the amount will vary by plan, coverage level and salary tier. PPO plan members will generally see the largest increases, while EPO and DPC plan members will see limited increases. It’s vital that every employee’s plan options remain comprehensive and accessible. To achieve this goal, JHHS is protecting employees who earn less than $50,000 from medical contribution increases.
Johns Hopkins All Children's Hospital Employees: Dental coverage and flexible spending account (FSA) changes
As benefits offerings across JHHS are harmonized, effective Jan. 1, 2027:
Delta Dental plans will replace Allegiance Dental Plan
The Allegiance Dental Plan will be replaced by two Delta Dental options: the Comprehensive Plan and the High Plan. Review the options and make your choice. If you don’t act during open enrollment and have dental coverage today, you and your currently covered dependents will be automatically enrolled in the High Plan for 2027.
What’s different: Your dental network of providers: The Delta Dental plans use a different network of covered dentists and providers than Allegiance, so you’ll need to check that your dentist is in the Delta Dental network before you visit. Search the Delta Dental Provider network
What you’ll pay: 2027 dental rates will remain relatively stable, and you can now choose between two options – a comprehensive plan and an enhanced plan that includes orthodontia coverage. You will only pay a deductible when you use out-of-network providers.
What’s covered:
- Both Delta Dental plan options cover 100% of in-network preventive services and have comparable coinsurance for the cost of basic and major services. They also have no lifetime maximum for wisdom tooth extraction.
- The Comprehensive Plan has the same annual maximum as the Allegiance plan but doesn’t cover orthodontic care.
- The High Plan has a higher annual maximum than Allegiance and includes coverage for orthodontic care.
HealthEquity will administer FSAs
Healthcare and dependent care flexible spending accounts (FSAs) will be administered by HealthEquity.
HealthEquity offers the same convenience and options for using and managing your FSAs as you have today: a mobile app, debit card, online claims filing and the ability to pay providers directly through your HealthEquity account.
Enroll in FSAs as you normally would through SmartSource. Once enrolled, you’ll receive information from HealthEquity about how to set up your account.
If you have FSA money to roll over: You can carry over up to $680 from your 2026 healthcare FSA to 2027. To ensure your carryover funds transfer to HealthEquity, you must enroll in a 2027 healthcare FSA during Open Enrollment, even if you do not plan to make new contributions.
Your 2026 funds will remain with Allegiance through March 31, 2027, and may be used for eligible expenses incurred in 2026. After the claims deadline, any eligible remaining balance, up to $680, will transfer to your 2027 HealthEquity account. Note: If you do not enroll during Open Enrollment, JHHS will need to establish an account for you manually, which may delay access to your carryover funds.
FSA Contribution and Carryover Limits
Healthcare FSA
- You can contribute up to $3,400 in 2027 and carry over up to $680 from 2026.
- You have until March 31, 2027, to use the remaining funds in your 2026 FSA for claims incurred in 2026. Any funds over the $680 carryover limit will be forfeited.
Dependent care FSA
- In 2027, you can contribute up to:
- $7,500 if you’re single or married and file jointly.
- $3,750 if you’re married and file separately.
- You have until March 31, 2027, to use the remaining funds in your 2026 FSA for claims incurred in 2026. You can’t carry over unused funds.
Important reminders
- If you don’t want to make changes to your benefits or enroll in an FSA in 2027, you don’t need to do anything. Your current benefits, except FSAs, will continue in 2027.
- John’s Hopkins All Children’s Hospital Employees: If you make no elections and currently have coverage in the Allegiance dental plan, you will automatically be enrolled in the Delta Dental High Plan.
- To enroll a dependent, you’ll need their Social Security number (SSN) and proof of relationship, such as a marriage or birth certificate.
- If you currently cover dependents, you may need to provide documentation that verifies your relationship to confirm their coverage. Visit SmartSource to see if you have a task on your to-do list.
Employees who are hired or newly eligible for benefits Oct. 14–Nov. 30, 2026
If you are hired or become newly eligible for benefits between October 14 and November 30, you must complete two separate enrollment steps.
- Enroll in or waive benefits for remainder of 2026
- Enroll in or waive benefits for 2027
If you don’t enroll in or waive coverage for 2026, you won’t be able to enroll in coverage for 2027 either. You’ll have to wait until the next open enrollment period, unless you have a qualifying life event.
Johns Hopkins All Children’s Hospital Employees – Dental plan changes for 2026: The Allegiance dental plan will no longer be offered as of Jan. 1, 2027. If you’re hired on or after Dec. 1, you can enroll in a Delta Dental plan.
Submit supporting documentation for dependents by Nov. 30
You may be asked to provide supporting documentation if you:
- Currently cover dependents and will continue to cover them in 2027.
- Enrolled dependents in 2027 coverage during open enrollment.
If you receive this request, you must provide the documentation by Monday, Nov. 30. If you don’t, your dependents won’t have coverage in 2027.
Visit SmartSource to see if you have a task on your to-do list and submit documentation.
Save your confirmation statement
You’ll need a copy of your confirmation statement if you have questions about your 2027 elections later. If, during open enrollment, you:
- Enroll or make changes to your benefits: Download a copy on SmartSource after you checkout. You’ll also receive an email confirmation after enrollment closes.
- Don’t enroll or make changes to your benefits: Download a copy of your confirmation statement on SmartSource after enrollment closes.
To view your statement:
- Log into SmartSource using your work credentials.
- Select Go to enter the Benefits Marketplace.
- Select Current Benefits under the Benefits dropdown on the left.
- Choose download, email or print and save the statement for your records.
Life changes. Should your beneficiaries change too?
Open enrollment is a good time to review your life insurance and retirement plans and make any necessary updates. Keeping your beneficiary information current helps ensure your benefits go to the people you intend.
Life insurance: Visit SmartSource , go to your profile and select My Beneficiaries.
Retirement: Sign into Transamerica and select View Details > My Plan > Beneficiaries.
Enrollment Support
Onsite Support
Look for information about a benefits fair or enrollment kiosk at your hospital or member organization. You’ll have the chance to connect with your benefits partners, meet vendors and explore your 2027 benefits options.