Your 2027
benefits
Your medical plans stay with SelectHealth, with the same doctors and networks you use today. Premiums are rising across the industry, and Borboleta will keep paying 70% of medical premiums for you and your family to protect your paychecks.
Make your choices in Gusto.
New plans and new prices take effect.
A 30-minute walkthrough with time for your questions.
What's new for 2027
- Medical carrier and networks. SelectHealth, on the same Med and Value networks you use today.
- Company contribution. Borboleta pays 70% of your medical premium and 70% of your dependents' premium.
- Gold 2000 plans. The $2,000 deductible and $8,950 out-of-pocket max do not change.
- Dental and vision. Both stay with Guardian, with the same coverage.
- HSA plan. Silver 4000 HSA becomes Silver 4500 HSA. The deductible rises to $4,500 and the out-of-pocket max to $8,700.
- Gold plans. Primary care and mental health office visits go from $20 to $25.
- Prescriptions improve on every plan. Tier 1 drugs are now free. SelectHealth renumbered its drug tiers, and anyone taking a regular prescription should check where it falls for 2027.
- Value Silver 3500 HSA is retiring. If you are on it, we will reach out to you directly.
What it means for your paycheck
Your medical premium goes up a little. Here is what most people will see added to their monthly paycheck deduction.
Your exact amount depends on your plan and age. Gusto will show your 2027 price when you enroll.
Your medical plans, side by side
In-network costs for 2027. Preventive care is free on every plan, and none of them require a referral to see a specialist.
Swipe the table to see every plan.
| Med Plus Silver 4500 HSA | Med Plus Gold 2000 | Value Gold 2000 | |
|---|---|---|---|
| Best for | Lower premium, saving in an HSA, few doctor visits | Regular doctor visits, or anyone living or traveling outside Utah | Same benefits as Med Plus Gold at a lower premium, Utah only |
| Network | Select Med, with out-of-network coverage | Select Med, with out-of-network coverage | Select Value, Utah only. No out-of-network coverage. |
| Deductible | $4,500 person / $9,000 family | $2,000 person / $4,000 family | $2,000 person / $4,000 family |
| Out-of-pocket max | $8,700 person / $17,400 family | $8,950 person / $17,900 family | $8,950 person / $17,900 family |
| Preventive care | Free | Free | Free |
| Primary care visit | Free after deductible | $25 | $25 |
| Specialist visit | Free after deductible | $45 | $45 |
| Mental health office visit | Free after deductible | $25 | $25 |
| Urgent care | Free after deductible | $45 | $45 |
| Emergency room | Free after deductible | $350 per visit | $350 per visit |
| Lab work and x-rays | Free after deductible | Free | Free |
| Hospital stay and surgery | 20% after deductible | 20% after deductible | 20% after deductible |
| Prescriptions | Tier 1 free. Tiers 2 to 4 free after deductible. Tiers 5 and 6 at 50%. | Tier 1 free, Tier 2 $5, Tier 3 $30, Tier 4 $75, Tier 5 $125. $250 prescription deductible. | Tier 1 free, Tier 2 $5, Tier 3 $30, Tier 4 $75, Tier 5 $125. $250 prescription deductible. |
| Health savings account | Yes. Tax-free savings that roll over every year. | No | No |
Check that your doctor is in-network in the SelectHealth app or at selecthealth.org/find-care. On the Value plan, an out-of-network visit is not covered at all.
The Med Plus plans give you in-network access nationally through the UnitedHealthcare Options PPO network. Check that your doctor is in that network before you book.
Dental
Guardian Dental PPO on the DentalGuard Preferred network, with no deductible.
100% covered
Cleanings every six months, exams, x-rays, sealants, and fluoride for kids under 19.
80% covered
Fillings, root canals, extractions and periodontal care.
50% covered
Crowns, implants, bridges and dentures.
$3,000 a year
Unused benefits roll over to future years, up to $1,500 in your rollover account.
50% covered
Up to $3,000 lifetime per child. Dependents are covered to age 26.
guardianlife.com
Use "Find a Provider" to confirm your dentist is in the DentalGuard Preferred network.
Vision
The VSP Signature network, including Visionworks and participating Pearle Vision locations.
$10 copay
Once every calendar year.
$25 copay
Single vision, bifocal, trifocal and lenticular lenses, once every calendar year.
$200 allowance
Every two calendar years, plus 20% off anything over the allowance. The allowance is $110 at Costco, Walmart and Sam's Club.
$200 allowance
Each year, with the $25 materials copay waived. The plan covers glasses or contacts in a year, not both.
Savings on more
20% off additional glasses within 12 months of your exam, and up to 15% off laser vision correction.
vsp.com
Register at vsp.com, or shop in-network online at eyeconic.com.
Protection for you and your family
Many people don't know everything Borboleta offers. Take a few minutes to look at each of these.
| Benefit | Carrier | Who pays | What it does |
|---|---|---|---|
| Basic life and AD&D | Hartford | Borboleta | Pays your beneficiary if you pass away or are seriously injured in an accident. Every eligible employee should have this. If you are not enrolled, you will be. |
| Voluntary life | Hartford | You | Extra life coverage for you or your family, beyond the basic amount. |
| Short- and long-term disability | Hartford | You | Replaces part of your paycheck if illness or injury keeps you from working. |
| Accident insurance | Assurity | You | Pays you cash after a covered accident, like a broken bone or ER visit. |
| Hospital insurance | Assurity | You | Pays you cash if you are admitted to the hospital. Helpful on a high-deductible plan. |
Name or update your beneficiaries while you enroll.
Don't leave free money on the table
Borboleta matches 100% of the first 3% you save and 50% of the next 2%. Save 5% and 9% of your pay goes toward retirement.
The company's share is yours immediately, 100% vested from day one.
- Eligible at age 18 after three months of service.
- Enroll on the first of any month once you're eligible.
- Choose pre-tax or Roth savings, or split between them.
- One loan allowed, up to 50% of your balance.
Go to fouroonek.com, click Account Access, then Register for Web Access. Enter your beneficiaries and your contribution, choose your investments, then review and confirm.
Enter an amount, even zero, in both the pre-tax and Roth sections.
Soltis Advisors: retirement@soltisadvisors.com or 1-800-735-1601. Their advisor team can help you pick investments that fit your goals.
Using your benefits well
How to enroll
Give yourself a few quiet minutes to review and submit your choices.
- Log in to Gusto and open your benefits enrollment.
- Review your plan and your dependents, even if nothing is changing.
- Name or update your beneficiaries for your life coverage.
- Submit by November 9. Coverage starts January 1, 2027.
Carrier documents
The full details from each carrier. These are the official plan terms, and they win if anything on this page differs.