What’s new in 2027:
Each year, Rivian evaluates our benefit offerings against industry standards, reviews how employees use their benefits, and assesses which vendors can provide the best coverage and experience. We update our benefit offerings to ensure they are competitive and comprehensive, so you have a variety of options that are also sustainable and equitable.
| Area | 2027 change | What you need to know |
|---|---|---|
| Fertility coverage | Effective January 1, 2027, fertility coverage for Anthem members is transitioning from Progyny to WIN Fertility in partnership with Anthem. | The benefit includes a $20,000 lifetime maximum per eligible member for eligible medical services and fertility prescription medications. Your Anthem plan deductible, copays, and coinsurance apply. Fertility treatment requires prior authorization through WIN before it begins. Kaiser members have separate fertility benefits; WIN/Anthem coverage does not apply. Contact WIN at 844-323-7539, Monday–Friday, 9 a.m.–9 p.m. ET, or use the WINFamily app with employer code RIV27. Phone support opens November 1. Through December 6, WIN can provide general program information; starting December 7, they can answer questions specific to your eligibility and benefits. Read the fertility coverage FAQ for transition details and information about prior Progyny treatment. |
| HSA, FSA & commuter accounts | Fidelity will administer Rivian’s Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and commuter accounts in 2027. These accounts are moving from HealthEquity. | Fidelity will share additional account-transition and setup details directly with employees. View 2027 HSA, FSA, and commuter resources in Documents and Forms. |
| FSA enrollment | You must re-enroll in your Health Care FSA, Limited Purpose FSA, or Dependent Care FSA to contribute in 2027. | Make your 2027 FSA election in Workday. Your 2026 contribution election will not automatically continue. |
| HSA contribution limits | The IRS has increased the 2027 HSA contribution limits. | Self-only coverage: $4,500 (up from $4,400 in 2026). Family coverage: $9,000 (up from $8,750 in 2026). Eligible individuals age 55 or older can contribute an additional $1,000. These limits include both employee and employer contributions. |
| HSA Bulk Transfer of Assets | If you have an HSA with HealthEquity, you can opt into transferring your existing balance to Fidelity while completing Open Enrollment | You are not required to opt into the transfer, which will happen in early February, but can consolidate your accounts within Fidelity. |
| FSA & commuter limits | 2027 contribution limits will apply to Health Care FSA, Dependent Care FSA, and commuter accounts. | Stay tuned: The 2027 contribution limits for the Health Care FSA, Dependent Care FSA, and commuter accounts will be released by the IRS soon. |
| Anthem HSA plan | Anthem HSA 1700 will be renamed Anthem HSA 1750 for 2027. | The in-network deductible will increase to $1,750 individual / $3,500 family to meet federal HSA plan minimums. If you’re enrolled in this plan, you’ll receive updated ID cards before January 1, 2027. View the 2027 Anthem HSA 1750 Summary of Benefits and Coverage. |
| Anthem 6350 & ID cards | Employees enrolled in the Anthem 6350 intern plan will receive new ID cards. | New cards will arrive before January 1, 2027. |
| Voluntary benefits | Rivian is enhancing Unum Accident and Critical Illness coverage with no increase in rates. New for 2027: Voluntary Hospital Indemnity coverage through Unum. | Hospital Indemnity provides cash benefits for covered hospital admissions and stays, including childbirth admissions. Explore the Unum voluntary benefits information. View the 2027 Unum voluntary benefits documents. |
| Supplemental life and AD&D insurance | Starting in 2027, you may elect coverage for yourself in increments of your annual salary, up to the lesser of eight times annual salary or $2,000,000. | If you elect a new coverage amount of more than $350,000, you must submit evidence of insurability (EOI). See the 2027 plan documents in Documents and Forms. |
| GLP-1 prior authorization | Beginning January 1, 2027, GLP-1 medications prescribed for weight loss will be subject to updated clinical medical necessity criteria. | If you have an active prior authorization at the end of the year, it will remain in place through its expiration date. When it expires, your prescriber may request continued coverage under the criteria in effect at that time. Additional information may be needed. Talk with your prescriber before your authorization expires. Questions? Contact OptumRx at (877) 838-2907. |
| Beneficiaries in Workday | During 2027 Open Enrollment, employees are required to add beneficiaries in Workday. | Add your beneficiaries in Workday during Open Enrollment. |
2027 ID Cards
If you’re enrolled in Anthem 1000, Anthem 3500, Delta Dental, EyeMed, or VSP and do not change plans for 2027, you’ll keep your current ID cards.
You’ll receive new ID cards if:
- You make a plan change for 2027.
- You’re enrolled in the Anthem HSA 1700 plan for 2026. For 2027, the plan will be named Anthem HSA 1750, and the plan-name/group-number changes require a new ID card. Your new card will arrive before January 1, 2027.
- You’re an intern enrolled in the Anthem 6350 plan; a group-number change requires a new ID card. Your new card will arrive before January 1, 2027.
For more information on how to access or request your ID cards, visit Guidepost to review how to access your ID cards.
What happens if I didn’t enroll?
If you do not take action during the 2027 Open Enrollment period, your current Medical, Dental, Vision, Basic Life and AD&D, Voluntary Life, Voluntary AD&D, Critical Illness, Accident coverage, and 401k elections will carry over into 2027.
If you are enrolled in the Anthem HSA 1700 plan for 2026 and take no action, you will be automatically enrolled in the Anthem HSA 1750 plan for 2027.
Benefits that require re-enrollment
Flexible Spending Accounts (FSA): Health Care, Limited Purpose, and Dependent Care FSAs require re-enrollment each year. Your 2026 election will not roll over. Missing the Open Enrollment Period means you do not have an FSA for 2027. Eligible 2026 Health Care FSA carryover funds will transfer to Fidelity for 2027.
Health Savings Accounts (HSA): The employee contribution to your HSA requires re-enrollment each year. Your 2026 employee contribution election will not roll over. You can update your employee HSA contribution at any time throughout the year. 2027 deductions will begin effective the day you make your election. Existing HSA assets will transfer from HealthEquity to Fidelity for 2027.
