NEW for 2027 — Cylinder Health — digestive health supportCylinder is a digestive health benefit designed to help you find relief from issues like gas, bloating, constipation, food sensitivities and IBS. It includes:
Cylinder is available at no cost to active CONUS employees, adult dependents (18+) and pre-65 retirees on a U.S. based non-Medicare Aetna plan.
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Open Enrollment
The open enrollment period for Marine Corps NAF Civilians will be held 1 – 30 November 2026
The elections you make during Open Enrollment will take effect January 1, 2027.
If you are not changing anything, your current plan will carry over into 2027, except your FSA elections which need to be elected each year.
Open Enrollment Sneak Peek
Open Enrollment is your time to:
- Enroll in health benefits
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Switch plans
- Cancel or waive coverage
- Add or remove dependents
- Enroll in an HSA if you choose the HDHP option
- Enroll or re-enroll in an FSA
Remember: FSA elections don’t carry over year to year, so you need to re-enroll.
If you elect the HDHP with an HSA, you can’t have a Health Care FSA — but you can have a Dependent Care FSA.
What’s new for 2027?
With healthcare costs surging nationwide, the NAF HBP is working hard to manage rising expenses while balancing the need to keep quality care accessible and affordable.
For 2027, medical plan costs will increase by 9.5%. This increase is driven by higher medical and prescription drug costs, combined with the increased use of healthcare services and sustained economic inflation.
Healthcare consultants project 2027 cost increases of 8.5% to 9.3% for medical care and 10.5% to 12% for pharmacy. Meanwhile, the Department of Health and Human Services (HHS) raised plan maximum out of pocket limits by 13.2%. Despite these rising costs, the NAF HBP will continue to provide two plan options with comprehensive coverage that will have no benefit changes for 2027.
Key points:
- There are no plan design (copay, coinsurance, OOP max, etc.) changes for 2027.
- New for 2027 is increased health incentive amount from $300 each employee and covered spouse to $400 each employee and covered spouse.
- New for CONUS for 2027 are the addition of 2 new incentives and addition of gut health program called Cylinder.
- New for OCONUS is changing to Personify for the wellness platform where members can do their health assessment and/or online journeys to earn health incentives
To maximize your benefits and offset rising costs, these key strategies and tools will make your coverage work harder for you this year:
- Book your annual wellness exams; prioritize preventive care
- Participate in health incentives
- Use virtual care when appropriate (Teladoc, virtual provider visits)
- Utilize wellness programs; stay informed and be proactive
- Compare plans during OE to be sure you have the right fit for you and your family
- Take advantage of pre-tax contributions from your paycheck for Flexible Spending Account (FSA) or Health Savings Account (HSA) which is available with HDHP plan. These pre-tax monies can be used to pay for your costs not covered by the plan (i.e. deductible, coinsurance, copays, dental and vision, etc.)
We understand increases to healthcare costs are challenging. Our goal is to continue providing competitive, high-quality benefits while maintaining the long-term sustainability of the plan.
As part of our mission of “Taking care of you,” your DoD NAF Health Benefits website has all the helpful information you need, organized in easy-to-use modules with categories based on what you need to do on the site at different points in the year.
News & resources: Find premium rates, upcoming events, medical forms and more.
NAF employees and NAF retirees: Visit your page to find resources just for you.
Go to nafhealthplans.com to start exploring.
How to make changes
Visit nafhealthplans.com to learn more about Aetna’s medical, dental, Rx, vision, and flexible spending accounts and changes for 2027.
- If you live in the National Capitol Region, Southern California, or Hawaii, you may have access to an HMO. Contact your local NAF HR office for information.
- There’s a lot to consider as you make your enrollment decisions for 2027. Talk to ALEX, your interactive benefits counselor, who can help you choose the right benefits based on your needs, budget and preferences. He’s smart, friendly and easy to use. Just give him some basic information and he’ll walk you through your plan options for medical, dental and Flexible Spending Accounts (FSAs). He’ll suggest benefits that match your needs, budget and preferences. Meet Alex now.
- Listen to Aetna’s Open Enrollment conference calls: Aetna representatives will walk you through special features of your health benefits program. This is your opportunity to ask questions. Sign up for an OE confernce call here,
- Enroll in the health care and/or dependent care Flexible Spending Accounts (FSAs). The Health Care (standard or limited) FSA annual maximum plan contribution limit is (TBD) in 2027. The Health Care (standard or limited) FSA rollover maximum limit is (TBD) in 2027.
- To enroll, terminate or update your health, FSA, or short term disability benefits for the 2027 calendar year go to Peoplesoft Self Service 1-30 November to make your elections or changes.
- If you don't have access to Peoplesoft Self Service, please contact your local HR Office for assistance. Paper enrollment forms will only be accepted in rare exceptions
View the Employee Self Service Guide to Updating Benefit Plans for a guide to making changes.
AflacDO NOT FORGET SHORT TERM DISABILITY DURING THE 2027 OPEN ENROLLMENT SEASON (1 NOVEMBER - 30 NOVEMBER) |