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The benefits in Plan G are identical whoever sells it, so price is the only difference. How that price is set matters more: attained-age policies are the cheapest at 65 and can end up the most expensive.
Open enrollment is running now. The three numbers most likely to decide what you pay for health care in 2027.
The IRS published the 2027 figures on November 5, 2026. The health FSA salary reduction limit is $3,500 and the carryover maximum is $700 — but that $700 governs money leaving 2027, not money arriving in it. The amount carrying from 2026 into 2027 is still $680.
The premium is the number people compare plans on, and it is the one that tells you least about a bad year. How the four cost numbers fire in sequence, what the $12,000 ceiling for 2027 does and does not cap, and the silver-plan rule that decides whether you get cost-sharing help at all.
The rule that would have closed the federal window on December 15 was struck down in court. CMS has confirmed the dates: November 1 to January 15. But December 15 still decides when your coverage starts.
Every 2027 contribution figure circulating in October is a projection. One 2027 number is already final, and it is the one almost nobody is planning around: from the 2027 tax year the Saver's Credit becomes the Saver's Match, paid into your account rather than against your tax bill.
CMS has written four rules for plan debit cards into federal regulation, and one of them says the card is limited to the plan year. In the same rule it scrapped the mid-year notice that would have listed the benefits you had not used. Both take effect for 2027.
The program that spreads Part D drug costs across the year renews automatically if you stay put. If you change plans during Open Enrollment, even to another plan from the same insurer, your new plan is forbidden from signing you up. You have to ask.
Reaching the cap means the rest of the year's covered drugs cost you nothing. Which is why the definition of what counts is worth more attention than the figure: a drug off your plan's formulary can cost you hundreds and move you no closer to it.
The 2027 HSA limits are $4,500 for self-only coverage and $9,000 for family coverage. All six thresholds from Revenue Procedure 2026-24, what each one actually controls, and the ceiling that quietly decides whether your plan qualifies at all.
Open Enrollment runs October 15 to December 7. Average Medicare Advantage premiums fall 16.5%, the Part D out-of-pocket cap rises to $2,400, and the one number everyone wants is not out yet.
Every US guide sits in exactly one of these.
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