Annual Enrollment runs Oct. 19–Oct. 30, 2026, and your choices take effect January 1, 2027. Find out what’s changing and whether there’s anything you need to do.
In a hurry? Watch the Top Five Things to Know video. Everything to know in 90 seconds.
|
Medical Options |
2027 Deductible You Only |
2027 Deductible |
2027 Out-of-Pocket Max |
2027 Out-of-Pocket Max You + Family |
|---|---|---|---|---|
|
HSA Option 1 |
$1,750 |
$3,500 |
$4,500 |
$9,000 |
|
HSA Option 2 |
$2,750 |
$5,500 |
$5,700 |
$11,400 |
|
HRA Option* |
||||
|
Medical |
$1,750 |
$3,500 |
$4,500 (combined medical and prescription) |
$9,000 (combined medical and prescription) |
|
Prescription |
$200 |
$400 |
||
Oncor Pays You Back
Together, you and your spouse can earn up to $2,875 each year for taking control of your health, when you enroll in an Oncor medical option. Rewards are deposited into your HSA/HRA, except for Live Well Challenge rewards, which can be added to your paycheck based on your election.
Not enrolled in medical? You can earn up to $400 through Live Well incentives applied to your paycheck.
Age 65 or older? Your incentive is paid to you through your paycheck due to Medicare rules. Even if you turn 65 during 2027, all of your incentives are applied to your paycheck.
If you want to keep your current coverage, you don’t have to do anything, unless you want to participate in an FSA or opt out of health coverage. Any changes you make take effect January 1, 2027.
You must enroll if you want to:
Through Delta Dental, you have access to one of the largest dental networks nationwide. Your dental coverage isn’t changing. Your provider networks are expanding. Your premiums are decreasing. Here’s how it works.
First, choose your coverage level during Annual Enrollment by electing either Dental Option A or Dental Option B. Then, when you’re ready for care, beginning January 1, 2027, choose which dentist to see. Your amount for care depends on which provider network your dentist is in. Here’s a look at the Delta Dental provider options:
What if your dentist is in both the PPO and Premier networks? Your visit is automatically processed at the PPO rate.
Compare your dental options below, and note that the amounts shown apply when you use a PPO or Premier dentist. If you see a non-network dentist, you may pay more out of pocket.
|
Delta Dental Options (effective Jan. 1, 2027) |
Option A |
Option B |
|---|---|---|
|
Annual Deductible (You Only / You + Family) |
$25 / $75 |
$50 / $150 |
|
Basic Care (oral surgery, fillings, root canals) |
80% after deductible |
60% after deductible |
|
Major Care (crowns, bridges, dentures, inlays) |
50% after deductible |
50% after deductible |
|
Annual Maximum |
$2,000 |
$1,000 |
|
Orthodontia |
50%, no deductible |
50%, no deductible |
|
Orthodontia Lifetime Maximum |
$2,000 |
$1,000 |
Enrollment Tip: Before electing your dental coverage option for 2027, confirm your dentist is in the Delta Dental network by searching your provider’s name on deltadentalins.com.
MetLife Vision, through the Davis Vision Network, is becoming your vision plan administrator effective January 1, 2027. You get access to the largest Texas network of providers under Davis Vision Network. Vision premiums will go down slightly. There are more places to shop.
Vision Benefit at a Glance
Prescription Safety Glasses
A limited selection of safety frames and lenses is covered at 100% when you buy from a participating provider. To get the full 100% coverage:
- Buy from a provider that offers the Davis Vision Safety Frame Collection.
- Find a participating location in the Davis Vision online provider directory.
Good to know: This benefit is separate from your regular frame allowance, so it doesn’t reduce what you have left for everyday glasses. If you buy from a provider that doesn’t carry the Safety Frame Collection, the purchase is out of network and you may pay some costs yourself.
Oncor’s Prescription Safety Eyewear Program is still available through the Eyeweb online ordering portal.
Diabetic Eye Care
A more thorough eye exam is fully covered if you have diabetes, glaucoma, or macular degeneration. If you have diabetes but not a diagnosed eye disease yet, a preventive retinal screening is covered too. Note that diabetic care services are not available at retail chains including Costco, Sam’s Club, and Walmart.
If you want a Health Care FSA or Dependent Care FSA in 2027, you must elect it during Annual Enrollment, even if you have one now. HSA contributions are set separately, Nov. 16-Dec. 21, and you can change your contributions anytime during the year.
|
Health Contribution Limits by Coverage Level |
2027 Limit (Oncor + You) |
Change from 2026 |
|---|---|---|
|
You Only |
$4,500 |
+$100 |
|
You Only, Age 55+ |
$5,500 |
+$100 |
|
Family |
$9,000 |
+$250 |
|
Family, Age 55+ |
$10,000 |
+$250 |
Whole Life Insurance with Long-Term Care through The Standard (formerly Allstate Benefits). This is a one-time opportunity to sign up yourself and your spouse for Whole Life Insurance with Long-Term Care (LTC) Rider through The Standard. This benefit is not part of the Oncor Welfare Plan.
If you’re already enrolled, you can only drop coverage. You can’t increase it or re-enroll later.
Get $75 for a wellness checkup. MetLife and Blue Cross Blue Shield Texas (BCBSTX) are teaming up and you get the benefit. Complete a wellness screening for yourself or an enrolled dependent, and you may receive a $75 check from MetLife per person. You must be enrolled in one of the Oncor medical options to take advantage of this benefit.
Wellbeing programs, most at no cost: Airrosti Flex, BCBSTX Weight Management, Maven, Navigate Health Coaching, Omada, Quit For Life, Teladoc Health, and WondrHealth.
The Employee Assistance Program (EAP) through Magellan offers:
Watch the mental health resources video to learn about mental health resources available to you, your family, and your household members.
In crisis? Call 911 in a life-threatening emergency, text or call 988 (Suicide & Crisis Lifeline), or call Magellan at 1.800.327.6608 for immediate help.
Click to view and download the 2027 Annual Enrollment Newsletter. Share with your spouse, dependents, or others making benefit decisions.
The Health Savings Account (HSA) medical options offer unique advantages at every stage of life. They’re more than plans: comprehensive medical coverage plus savings accounts for today and tomorrow.
If you elect medical coverage during Annual Enrollment, Oncor contributes to your HSA:
Set aside dollars through payroll deductions before taxes – up to the annual IRS limits:
Take time between November 16 and December 21 to set up your 2027 HSA contribution amounts. New deductions begin with the first January paycheck and can be updated anytime during the year.
After you enroll: complete Dependent Verification if you’re adding anyone. Also review and confirm your beneficiaries.
Where to designate beneficiaries for benefits:
Contact the Oncor Benefits Center at 1.833.253.4927, Monday through Friday, 8 a.m. to 5 p.m. Central or HR Advocacy at oncres1@oncor.com.
At Oncor, benefits are at the heart of our commitment to you and your family. We’re here to help you live well today and prepare for whatever tomorrow may bring.
Your student loan payments count like retirement contributions. Oncor matches up to 6% into your Thrift Plan 401(k) after the plan year ends. Learn about the Student Debt Retirement Savings Match.
A free digital workbook that keeps your personal information, insurance, assets, and estate planning organized in one place. Whether you use it for your own financial planning or share it with aging parents or loved ones, it provides peace of mind for you and those you care about. Download Oncor’s Personal Financial Organizer.
Talk through your pension, Thrift Plan, and retirement options with a real person, at no cost to you. Call 1.866.602.0629, or join a live Retirement Seminar, held twice a year. Check out www.NetBenefits.com for details.
Refer to the Summary Plan Description for the Oncor Electric Delivery Company LLC Employee Welfare Benefit Plan and other documents in the Resource Library. You may obtain a copy of the required legal notices at no cost by opening a case through myhrconnection.oncor.com. Go to HR Help and submit a case to the benefits team.
Options and programs described in this website, as well as other communication materials, are intended only to be summaries of certain provisions of Oncor’s employee benefit plan(s) (the “Plan”). Benefits communication materials from the Oncor Benefits Department update and modify certain provisions of the Plan and, as such, constitutes a summary of material modifications under the law. The programs are governed by formal plan documents, and, in the event of a discrepancy, the formal plan documents will prevail. Oncor reserves the right to amend and/or terminate any or all of its benefit programs, in whole or in part, from time to time. The employee benefits offered through the Plan are optional. Any recommendations of any of the third-party administrators or insurers, or in-network/out-of- network designations are made solely by the applicable third-party administrators and/or insurance carriers, not by Oncor or the Plan.