U.S. BENEFITS WEBSITE • FOR U.S. EMPLOYEES AND DEPENDENTS ONLY
2027 Annual Enrollment
October 26 – November 6, 2026We’ve got your 2027 benefit updates — explore them here.
Occurring only once a year, Annual Enrollment is the time when you can change your benefits for the new plan year. Carefully review the information provided on this page to help you choose the benefits that are right for you and your family.
Medical
- Due to IRS regulations for embedded deductible plans, the High Deductible Health Plan (Blue HDHP 3) in-network deductibles will increase to $3,500 for individual (was $3,400) and $7,000 for family (was $6,800).
- To help offset the increased deductible, Modine is increasing the employer annual Health Savings Account (HSA) contribution to $900 for employee-only coverage (was $850) and $1,800 for family coverage (was $1,700).
- Enrolling in the Blue HDHP 3 allows you to contribute to your HSA. You can contribute up to $4,500 for an individual and $9,000 for a family. Keep in mind, company contributions are included in these limits.
- The PPO Plans will include changes to deductible and copay amounts.
- Blue PPO Plan 1 in-network deductibles will increase to $2,000 (was $1,500) for individual and $4,000 (was $3,000) for family.
- Blue PPO Plan 2 in-network deductibles will increase to $1,000 (was $750) for individual and $2,000 (was $1,500) for family.
- The PPO Plan copays for specialist office visit and urgent care will increase to $50 (was $40) and emergency room copay will increase to $250 (was $200). Telehealth visits remain our lowest-cost option for nonemergency care.
- Consider taking advantage of a Flexible Spending Account (FSA) to use pre-tax dollars to pay for deductible, copays, and coinsurance. You can contribute up to $3,400 or the statutory limit. Remember to plan your contributions carefully — any money remaining in your account after May 31 of the following plan year will be forfeited.
- Health Savings Account Overview
- Health Care FSA FAQs
Supplemental Health Plan Enhancements
- Supplemental Health Plans provide financial protection by helping cover unexpected out-of-pocket expenses.
- Premiums are deducted from your paycheck on an after-tax basis, allowing any benefits paid under the plans to be received tax-free.
- For 2027, the plans will include enhancements that provide expanded coverage and higher benefit payouts.
- Accident Insurance: Covers 25% of the total organized sports accident claim amount up to a maximum of $3,000.
- Critical Illness: Provides additional benefit payment(s) for the same covered condition.
- Hospital Indemnity: Includes a $50 health and wellness benefit.
- Understanding your supplemental health plans
Your 2027 Benefits Guide
The Benefits Guide highlights the plans and programs included in your overall benefits package as well as an overview of your cost of coverage.
Enrollment Checklist
PREPARE
Summarize your 2026 out-of-pocket healthcare expenses to decide how much to put into a Flexible Spending Account (FSA) or Health Savings Account (HSA). To continue contributing to your FSAs in 2027, you must re-enroll during Annual Enrollment. You must be enrolled in the Blue HDHP 3 medical plan to enroll in the HSA.
ENROLL
IMPORTANT!
Take a moment to review and update your beneficiary information.
Questions or Need Help with Enrollment?
Contact your Human Resources Representative, call the Benefits Help Line at 262.619.8200, or email benefits@modine.com.