Annual Enrollment 2027

Annual Enrollment is your opportunity to customize your benefit coverage: Select new benefits, make changes to your current elections, and add or drop dependents. Elections are effective January 1 – December 31, 2027.

This is your only opportunity to enroll in or make changes to your 2027 benefits, unless you experience a qualifying life event such as marriage or birth of a child.

Action Items

• Learn about what’s new for 2027
• Decide whether you want to elect or make changes to your:
  • Medical coverage (use PLANSelect.com to compare plan costs)
  • Dental and vision coverage
  • Health Savings Account (HSA) and Flexible Spending Account (FSA) contributions
  • Voluntary life and voluntary AD&D coverage
• Enroll in Workday
  • Have supporting documentation ready if you’re enrolling a new dependent for the first time (see eligibility)
  • Save your confirmation statement when you have completed your enrollment
• Review your first paycheck in January 2027
  • Ensure your payroll deductions align with your coverage selections
  • Contact the CF Benefits Center at 877-232-3630 or CFBenefits@onesourcevirtual.com if you have questions about your elections

What’s New for 2027

• No increase in your monthly costs: While healthcare costs continue to increase, CF Industries is absorbing the additional costs, allowing employee medical, dental and vision rates to remain unchanged in 2027.
• Medical plan deductibles and out-of-pocket maximums will increase: To reflect new IRS requirements and to maintain alignment between the plans, the deductible for both medical plans will increase by $50-$100. The out-of-pocket maximum will also increase for both in-network and out-of-network coverage.
• Expanded Maven support: Maven currently offers Fertility & Family Building support. Next year, services will expand to include:
  • Maternity & Newborn Care
  • Parenting & Pediatric Support
  • Menopause & Midlife Health

  Maven membership is available to anyone enrolled in a CF Industries medical plan at no additional cost.

• New specialty drug savings program: The BCBS FlexAccess coupon assistance program may help you save on certain specialty medications by connecting you with manufacturer savings programs. If you are enrolled in a CF Industries medical plan and take an eligible medication, the FlexAccess team may contact you about savings opportunities.
• 401(k) loan changes: Beginning in 2027, you may have only one outstanding 401(k) loan at a time. If you currently have two loans, you may continue repaying them under their existing repayment schedules.
• Tax-advantaged contribution limits will increase: Higher annual IRS contribution limits offer more opportunity to build tax-advantaged savings.
  • Health Savings Account (HSA)*: Increases to $4,500 for individual coverage ($100 increase) and $9,000 for family coverage ($250 increase). Age 55+ may contribute an additional $1,000 per year.
  • Health Care Flexible Spending Account (HCFSA): The current limit is $3,400 and is projected to increase next year.

*Remember, the HSA annual limit includes contributions from both you and the Company.

CF Industries will contribute:

• Employee-only coverage: Up to $750 ($250 automatic contribution plus matching contributions up to $500)
• Family coverage: Up to $1,500 ($500 automatic contribution plus matching contributions up to $1,000)