Important Information
Resources
- Open Enrollment Events
- Paying for Coverage
- 2027 Benefit Premiums
- 2027 Voluntary Benefit Overview
- NAU PPO vs HDHPHSA
- Summary of Benefits & Coverage
- Benefit Plan Documents & Policies
- Benefits Vendor Contact Information
2027 Plan Comparisons
What’s changing
There are several updates to your benefits this year—take a moment to check them out and make sure everything still works for you and your family. Here’s what’s changing:
- Medical Plans: Both NAU and State of AZ plans have changes. Be sure to review the details below. Remember everyone needs to re-enroll in medical coverage this year!
- Health Savings Accounts (HSA): You can now contribute more—thanks to new IRS limits!
- Flexible Spending Accounts (FSA): Same deal—higher contribution limits for both the Health Care and Dependent\Day Care accounts.
There are no changes in premiums, providers and coverage for the Dental, vision, Life Insurance and Short-Term Disability plans
Medical
There are changes to all the medical plans. This year everyone will need to re-enroll in medical coverage so it is important for you to take the time review the premiums and benefits of each plan and select the plan that best meets your family’s budget and coverage requirements.
- Compare Medical plans plans.
NAU BCBSAZ PPO
- The deductibles, co-pays, out of pocket maximums will remain the same.
- Employee premiums will increase between $34.80 and $131.05 per pay period depending on the coverage level elected.
Deductible
No change
In-Network
- $600 Individual
- $1,200 Family
Out-of-Network
- $1,200 Individual
- $2,400 Family
Out-of-Pocket Maximum
No change
In-Network
- $1,000 Individual
- $2,000 Family
Out-of-Network
- $11,250 Individual
- $22,500 Family
Current
- Employee Only: $75.10
- Employee + Adult: $194.86
- Employee + Child: $139.19
- Family: $282.81
January 1, 2027
- Employee Only: $109.90\ $34.80 increase
- Employee + Adult: $285.16\ $90.30 increase
- Employee + Child: $203.69\ $64.50 increase
- Family: $413.86\ $131.05 increase
NAU BCBSAZ High Deductible Health Plan & Health Care Saving Account
- Deductibles will increase to the 2027 IRS minimum.
- The Out-of-Pocket maximums will remain the same.
- NAU’s contributions to the employees Health Care Savings Account will be increasing.
- Employee premiums will remain the same for the 6th straight year.
Current
In-Network
- $1,700 Individual
- $3,400 Family
Out-of-Network
- $3,400 Individual
- $6,800 Family
January 1, 2027
In-Network
- $1,750 Individual
- $3,500 Family
Out-of-Network
- $3,500 Individual
- $7,000 Family
No Change
In-Network
- $2,000 Individual
- $4,000 Family
Out-of-Network
- $5,000 Individual
- $10,000 Family
- IRS annual maximum: $4,500
- NAU annual contribution*: $1,000
- Your maximum contribution:** $3,500.
*To help employees cover out-of-pocket expenses incurred in the beginning of the year, NAU will contribute $500 in January into the employee’s HSA account. NAU will then contribute $250 July and $250 in October.
**If you are 55 or older you can contribute an additional $1,000 annually.
- IRS annual maximum: $9,000
- NAU annual contribution*: $2,000
- Your maximum contribution**: $7,000.
*To help employees cover out-of-pocket expenses incurred in the beginning of the year, NAU will contribute $1,000 in January into the employee’s HSA account. NAU will then contribute $500 July and $500 in October.
*If you are 55 or older you can contribute an additional $1,000 annually.
No Change
- Employee Only: $5.54
- Employee + Adult: $21.23
- Employee + Child: $16.66
- Family: $47.12
State of AZ PPO
- The deductibles and out of pocket maximum will remain the same.
- All in-network copays, except pharmacy, will increase by $5
No Change
In-Network
- $0 Individual
- $0 Family
Out-of-Network
- $5,000 Individual
- $10,000 Family
No Change
In-Network
- $7,350 Individual
- $14,700 Family
Out-of-Network
- $8,700 Individual
- $17,400 Family
Preventative
Primary Care
Specialist
Virtual Visit
Urgent Care
Emergency Room
In-patient Hospital
Out-patient Facility
Major Radiology
Current
$0
$25
$45
$25
$80
$250
$300
$150
$100
January 1, 2027
$0
$30
$50
$30
$85
$255
$305
$155
$105
No Change
- Employee Only: $26.17
- Employee + Adult: $71.49
- Employee + Child: $57.30
- Family: $121.61
The State of AZ High-Deductible Health Plan & Health Care Saving Account
- The plan deductible and Out-of-Pocket Maximums with increase.
- Employee premiums and NAU’s HSA contributions will remain the same.
Current
In-Network
- $1,700 Individual
- $3,400 Family
Out-of-Network
- 5,000 Individual
- 10,000 Family
January 1, 2027
In-Network
- $1,785 Individual
- $3,570 Family
Out-of-Network
- $5,250 Individual
- $10,500 Family
Current
In-Network
- $3,500 Individual
- $7,000 Family
Out-of-Network
- $8,700 Individual
- $17,400 Family
January 1, 2027
In-Network
- $3,675 Individual
- $7,350 Family
Out-of-Network
- $9,135 Individual
- $18,270 Family
- IRS annual maximum: $4,500
- NAU annual contribution: $720 ($27.69 each pay period)
- Your maximum contribution*: $3,780
*If you are 55 or older you can contribute an additional $1,000 annually.
- IRS annual maximum: $9,000
- NAU annual contribution: $1,440 ($55.38 each pay period)
- Your maximum contribution*: $7,560
*If you are 55 or older you can contribute an additional $1,000 annually.
No Change
- Employee Only: $10.15
- Employee + Adult: $30.46
- Employee + Child: $25.89
- Family: $56.35
Flexible Spending Accounts
- Health Care: For 2027, the maximum annual contribution for the Health Care FSA will increase to $3,400 and the maximum rollover amount is $680.
- Dependent Care: For 2027, the maximum annual contribution for the Dependent Care FSA will remain $7,500.