The High Deductible Health Plans (HDHPs) must maintain IRS minimum deductible amounts to be eligible for a Health Savings Account (HSA). If you cover only yourself or yourself and children in the HDHP 1 in 2027, your annual deductible will increase to meet this IRS requirement:

• Employee only: $1,750 in-network ($50 increase from 2026), $3,500 out-of-network ($100 increase from 2026)
• Employee + child(ren): $3,500 in-network ($100 increase from 2026), $7,000 out-of-network ($200 increase from 2026)

There are no changes for HDHP 2 or the Traditional Healthcare Plan (THP) in 2027.

The L3Harris-sponsored Blue Cross Blue Shield (BCBS) medical plans will introduce Leap Health, an infusion care center of excellence (COE), as an in-network option. Leap Health offers lower-cost, flexible infusion therapy for participants with chronic or serious health conditions. When you engage with Leap Health, you get:

• Flexibility to choose from treatment at home or a nearby clinic, even on evenings and weekends
• A dedicated Care Guide to guide you through the process, including scheduling, insurance, authorizations and financial assistance
• No cost to you (HDHP participants must first meet the IRS deductible to ensure compliance with IRS regulations)

Reminder! Carrum COE Required for Certain Surgeries

Carrum provides access to a center of excellence (COE) network for certain procedures. A COE is a facility that has earned top rankings for offering high-quality, lower-cost care with better overall outcomes. If you need bariatric, spine or joint (full and partial hip and knee) surgery, the L3Harris-sponsored BCBS medical plans require you to use a provider within Carrum’s COE network, or there will be no coverage.

Blue Cross Blue Shield (BCBS) will replace Kindbody for fertility and family-building support benefits under the L3Harris-sponsored BCBS medical plans. You will be able to access the same fertility coverage through the BCBS Blue Distinction centers of excellence network as Kindbody, including fertility assessments, IVF, IUI, cryopreservation, egg donor and surrogacy. This change streamlines access, as you will no longer have to go through a separate network of providers outside BCBS for fertility services.

If you are undergoing active fertility treatment with Kindbody as of December 31, 2026, you may be eligible to continue with Kindbody for up to 90 days. Contact Kindbody if you meet any of the following criteria:

• You are taking stimulation medications in preparation for a retrieval or transfer.
• You are scheduled for a retrieval or egg/embryo freezing or IVF procedure.
• You have already prepped for an embryo transfer (e.g., pelvic sonogram/checking of uterine lining).
• You have received authorization for fertility treatment, including IVF or IUI, that will take place within the 90-day transition period.

Blue Cross Blue Shield (BCBS) Care Connected will replace Kindbody for menopause support benefits under the L3Harris-sponsored BCBS medical plans. Board-certified health coaches are trained to support women through menopause, including symptom identification and management, behavioral health coaching, and diet and lifestyle modifications. In addition to self-paced activities and educational content, the program includes personalized support from specialists by text or phone.

If you enroll in one of the High Deductible Healthcare Plans (HDHP 1 or HDHP 2), you can contribute to a tax-advantaged Health Savings Account (HSA). The IRS limits the total pre-tax amount that can be contributed each year. For 2027, that limit is $4,500 for individual coverage and $9,000 if you cover dependents. This limit includes both your contribution and any company contributions. If you’re age 55 or older in 2027, you can make an additional $1,000 pre-tax catch-up contribution.

NEW! To earn quarterly L3Harris contributions to your HSA in 2027, you must watch three short educational benefits videos on the enrollment site by November 30, 2026.

Company contributions depend on the plan and coverage level you elect. Be sure to account for both L3Harris’ and your contributions when considering your maximum allowable contribution for 2027.

During Annual Enrollment, you can increase your and your spouse/domestic partner’s Supplemental Life Insurance coverage without providing evidence of insurability (EOI).

• Employee Life Insurance: You can increase your current supplemental coverage by one times your annual base pay plus target bonus (if applicable), up to a maximum of 10 times or $3.25 million when combined with the company-provided life insurance coverage.
• Spouse/Domestic Partner: You can elect coverage for the first time or increase your spouse/domestic partner’s current coverage up to the $50,000 coverage amount.

In addition, there will be two Child Life Insurance coverage options in 2027: $10,000 and $20,000. If your child’s current coverage is less than $10,000, you will default to the $10,000 coverage automatically—no action is required. However, you can always change your coverage amount at any time with no EOI required.

During Annual Enrollment, you can enroll in Long-Term Care (LTC) + Whole Life Insurance for the first time or increase your existing coverage without providing evidence of insurability (EOI). LTC + Whole Life Insurance, provided by The Standard, offers two benefits in one policy: an LTC benefit to pay for care if you can no longer care for yourself and a permanent life insurance policy to protect your family. If you elect coverage for yourself, you may also elect coverage for your spouse/domestic partner.

Learn more at an upcoming webinar:

• Thursday, October 22 at 2:00 p.m. (ET): Register to attend.
• Thursday, October 29 at 2:00 p.m. (ET): Register to attend.

Juno Child Disability Insurance offers a monthly financial benefit if your child develops a severe illness, injury or disability. Juno also provides personalized navigation and support resources to help you learn more about your child’s condition, apply for eligible state and federal programs, connect with peers, and more. One policy covers all eligible children in the family from birth through age 26. A benefit is only payable if a child is diagnosed after you enroll in the coverage.

Note: Child Disability Insurance is available to elect during Annual Enrollment only. You cannot enroll during the year, even if you have a life change event.

Cariloop is a caregiver concierge benefit that provides support for caregivers through an on-demand platform and access to expert Care Coaches. Your Care Coach can help guide you through the many decisions you have to make as a caregiver, such as everyday challenges of caregiving, finding a provider, choosing care, managing a diagnosis, navigating Medicare, and more. L3Harris will provide one month of unlimited Cariloop coaching services at no cost to you, then you may purchase extended coaching coverage through Cariloop. Online tools and resources are always available at no cost to you.

Securian will replace MetLife as the insurer for the hospital indemnity, critical illness and accident insurance plans. With Securian, the plans will offer lower premiums and several benefits enhancements, including fertility coverage (under the critical illness policy). If you are currently enrolled in one or more of these plans with MetLife, your coverage will transition to Securian automatically—no action is required.

The Genomic Life genetic screening and cancer support benefit will offer two new cancer screenings in 2027:

• An enhanced pre-cancer screening blood test that can help detect more than 50 types of cancers (available to participants whose genetic health screen shows they are at higher-than-average risk)
• Non-invasive, at-home colon cancer screening as an alternative to colonoscopies

Genomic Life is only available during Annual Enrollment or with a life change event.

Allstate is simplifying its coverage options in 2027. The higher level of protection—known as Pro+ Cyber—will be offered at the current lower Pro+ premium. The Pro+ coverage level will no longer be offered. If you are enrolled in the Pro+ coverage level currently, your coverage will transition to Pro+ Cyber automatically—no action is required.

ASPCA will no longer accept payroll deductions in 2027, so any pet insurance coverage with ASPCA will transition to PetPartners automatically—no action is required. Nationwide will continue to be available as another pet insurance option.

In some cases, you may prefer to keep your current ASPCA pet insurance coverage. If you currently have ASPCA pet insurance and want to learn more about the pet plan changes effective January 1, 2027—including the option to keep your current ASPCA coverage through direct bill—contact the L3Harris Employee Savings Customer Care team at 1.888.935.9595 or CustomerCare@corestream.com.

Note: Pet Benefit Solutions, which offers discounted services at network vets and members-only pricing on pet supplies, has changed its name to Wishbone. There is no change in benefits.