Medical
Same Cigna plans with updated costs. The HDHP deductible is $3,500 for individuals and $7,000 for families. Premiums are changing for all plans.
2027 Open Enrollment
What's new for 2027
Same Cigna plans with updated costs. Premiums are changing for all plans.
Have an FSA in 2027
FSA elections don't carry over, so re-enroll if you want one.
Dental and vision
Same plans, with updated premiums.
New: Mega backdoor Roth
Save more in your Fidelity 401(k). Available November 2.
New: Healia Total Care Option
For employees whose spouse or partner has employer coverage. Available November 2.
New: Superpower
Advanced lab testing and a health concierge. Available November 2.
Mega backdoor Roth
Available starting November 2, 2026. Choose an after-tax contribution percentage in Fidelity NetBenefits, then call Fidelity to convert that money to Roth. Conversions aren't automatic. Call Fidelity each time you want to convert; there's no fee. Any growth before conversion is taxed when you convert. Taxes aren't withheld; you'll receive a Form 1099-R. Alloy doesn't cap or match after-tax contributions. The IRS caps total annual contributions from all sources. Book a free session with Addition Wealth to talk it through.
Healia Total Care Option
Available starting November 2, 2026. If your spouse or partner has health insurance through their employer, Healia's Total Care Option lets your family move to their plan and get up to 100% of your health insurance costs covered. Who's eligible: employees eligible for Alloy's medical plans whose spouse or partner has employer-sponsored health insurance. If you move your medical coverage to your spouse's or partner's plan, you can still enroll in Alloy's other benefits, such as dental and vision.
Superpower
Available starting November 2, 2026. Lab testing for 150+ biomarkers, beyond what insurance typically covers, plus a concierge team and AI platform to support proactive health and wellbeing. Who's eligible: Alloy employees (dependents aren't included).