2027 Open Enrollment

The benefits plan year is Jan. 1 – Dec. 31. If you’re hired or newly eligible for benefits between Oct. 14 and Nov. 30, you must actively enroll in benefits or waive coverage for the rest of 2026 and then actively enroll in 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. Learn more about this change on this page below.

If you enroll dependents, you may be asked to provide supporting documentation. If you receive this request, you must provide the documentation on SmartSource by Monday, Nov. 30. If you don’t, your dependents won’t have coverage in 2026. 

Submit your documentation on SmartSource .

You’ll need a copy of your confirmation statement if you have questions about your 2027 elections later. To view your statement:

1. Log into SmartSource  using your work credentials.
2. Select Go to enter the Benefits Marketplace.
3. Select Current Benefits under the Benefits dropdown on the left.
4. Choose download, email or print and save the statement for your records.

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.

Learn more about the dental plans.

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.