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What to expect for 2027

What to expect for 2027

What to expect for 2027

We’ve updated your benefits to keep them competitive and cost-effective. Review the information below to learn what's new for you in 2027.

Enrolling or making a change?

Whether your newly eligible for benefits or making a change due to a qualified life event, there are several actions you’ll want to take to ensure you have the benefits coverage you need for your family.

  • Elect or update your medical, dental and vision benefits plan selections.

  • Add and/or remove dependents from your benefits plans and confirm whether a spousal surcharge applies.

  • Confirm your tobacco use.

  • Contribute to a Health Savings Account (HSA) or any Flexible Spending Account (FSA).

  • Consider electing or changing your supplemental life insurance coverage: You can increase your coverage by 1x your annual base salary (up to $300,000) without providing information about your health.

  • Elect or update voluntary benefits, such as accident insurance, critical illness insurance, hospital indemnity, legal assistance and ID protection.

  • Add or update your beneficiaries.

The benefits you’re eligible for depend on whether you’re in a full-time or part-time role. You may include dependents in your coverage if they meet certain requirements and verification documents are submitted and approved.

Refer to this Quick Reference Guide to review changes you can make to each benefit, coverage effective dates, and required documentation that you will need to provide.

  • Aetna plan changes for 2027

    We have simplified our options to three Aetna medical plans designed for different healthcare needs. All three plans include pharmacy coverage and 100% coverage for in-network preventive care. Each plan uses two tiers of providers; you will always save the most by using Tier 1.

    Note: The Choice PPO will no longer be an option for 2027. If you're currently enrolled in the Choice PPO, you will automatically be enrolled in the Enhanced HDHP, along with your currently eligible and enrolled dependents, unless you make a different election.

  • Kaiser California

    The Kaiser CA Plan has been updated and will now be subject to an annual deductible and coinsurance.

  • Premium pricing based on base pay

    Medical premiums — the costs out of your paycheck — are determined on your base pay.

    For 2027, a fourth salary band has been added for employees with a base salary over $100,000.

    Your base salary as of October 1, 2026, determines your salary band for all of 2027. Employees hired after October 1 will have their rate determined by their base salary as of their hire date.

    If you're enrolled in the Enhanced HDHP and open an HSA, the employer contributions are also based on your salary. The fourth salary band will match salary band 3 contributions.

  • Basic & Supplemental Life and AD&D insurance

    For 2027, the company-paid Basic Life and AD&D benefit will be 1x your annual pay, up to $500,000.

    Additional Supplemental Life Insurance Options During Open Enrollment:

    • If you were previously denied coverage, you will not be able to elect or increase coverage without completing the Evidence of Insurability (EOI).

    • If you are not currently enrolled and not previously denied coverage, you will be able to elect up to 5x salary, up to a maximum of $300,000 without needing to complete the EOI.

    • If you are currently enrolled at an amount below $300,000, you will be able to increase coverage up to 5x salary, up to a maximum of $300,000 without needing to complete the EOI.

    • If you are currently enrolled at an amount at or above $300,000, you will be able to increase coverage by 1x salary, up to a maximum of 7x salary or $1.2M without the need to complete EOI.

  • Increased contribution limits

    The HSA annual contribution limit has increased to $4,400 for individuals and $8,750 for families for 2026. Learn more about HSAs.

    The Dependent Care FSA annual contribution limit has increased to $7,500 per household for 2026. There are eligibility limits for highly compensated Mountaineers. Learn more about Dependent Care FSAs.

  • MetLife Legal Assistance: Plus Parents option

    MetLife Legal Plan base: Low per-pay-period premium providing personal legal support for you, your spouse or domestic partner, and eligible dependents through a nationwide attorney network, with no additional fees when using in-network attorneys.

    NEW Parent & Grandparent coverage option: You can now expand your legal plan to cover your parents, in-laws, and grandparents. This is a great way to get help with things like elder care planning.

  • Personalized support

    While these personalized support resources aren’t new for 2026, they can help you make the best healthcare decisions for you and your family.

    Aetna One Advisor (A1A), your personal benefits advisor

    Did you know that Aetna One Advisor (A1A) is your personal benefits advisor? They can help you compare medical plan options, choose the best fit for you and your family, find quality cost-effective providers, and offer tips to get the most from your plan. Once you call, your advisor provides personalized support all year long.

    Your A1A advisor can help you:

    • Tap into free preventative services and condition management programs.

    • Find top-quality and budget-friendly providers, schedule appointments, and coordinate your care (including pre-certifications).

    • Make informed decisions about treatment options.

    • Understand your prescription drug coverage.

    • Sort out any plan or claim issues.

    A1A can support all Mountaineers to understand their benefits

    Call 888-216-8573, Monday - Friday, 8:00 AM - 8:00 PM ET. Aetna members can also chat online through the Aetna member website (aetna.com).

    Learn more about Aetna One Advisor (A1A).

    Emma™: A personal decision support tool

    Emma is an online tool designed to help you choose which plan is best for you during enrollment or when making life event changes. If you are an Aetna enrollee, Emma looks at 12 months of you and your enrolled dependents’ medical claims history (if available) to compare coverage options for the coming year. Just answer a few questions and Emma will give a personalized comparison of your medical plan costs, including payroll deductions and expected out-of-pocket costs when you use the plan. Log in to the Iron Mountain Benefits Center via the bswift mobile app or on the web here to get started.

Disclaimer

© 2026 Iron Mountain Incorporated. All Rights Reserved. This website is not intended to replace the Summary Plan Documents that provide further details on Iron Mountain medical, dental, vision, Flexible Spending Account (FSA), retirement, disability, Life, Accidental Death & Dismemberment (AD&D), and any additional plans available to you. This site is a brief synopsis of key features of your available benefits plans. It's intended to help you use these plans effectively and alert you to actions or situations that could limit the benefits you and your eligible dependents might receive. Refer to the Summary Plan Documents for exact terms and conditions of coverage. If any conflict arises between this site and the official Plan Documents, the terms of the actual Plan Documents or other applicable documents will govern. Iron Mountain reserves the right to change, modify, or terminate the plans at any time. This website isn't a contract for purposes of employment or payment of benefits.

Certain employees subject to a collective bargaining agreement are only eligible to participate in certain benefits to the extent provided in the applicable collective bargaining agreement.

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