Take Action
Review this page to find out what you need to know and what you need to do during Open Enrollment. Then enroll in your 2027 benefits between October 26, 2026 and November 6, 2026. After Open Enrollment ends, you can't change your benefit elections unless you experience a qualifying life event.
Your enrollment checklist
Use this checklist to make the most of your Open Enrollment opportunity:
- Learn about your benefit options for 2027.
- Use the tools and resources available to help you make informed benefit decisions.
- Get support when you have questions about your benefits. Call 844-349-0781 from 7:00 a.m. – 7:00 p.m. CT (during Open Enrollment only). Regular support hours are 8:00 a.m. – 5:00 p.m. CT or visit myenrollmentschedule.com/carlislebenefits to schedule an appointment.
- Update your Flexible Spending Account (FSA) enrollment and/or Health Savings Account (HSA) contribution amount and elect Commuter Benefits — they don’t automatically carry over to the next year.
- Review your dependent information and confirm that all dependents remain eligible. If you add a new dependent to coverage during Open Enrollment, required dependent verification documentation must be submitted by November 25, 2026.
- Review your beneficiary information and make updates as needed.
- Complete your benefits enrollment by November 6, 2026. Learn how to enroll.
What’s New for 2027
As part of our strategy to provide comprehensive, competitive, and financially responsible benefits, we regularly examine our benefits program and consider changes that could better support you and your family across the entire spectrum of well-being. Here are the changes we’ll introduce in 2027.
WEX is coming January 1
Beginning January 1, 2027, WEX will replace Inspira Financial as Carlisle’s administrator for Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), Commuter Benefits and COBRA. Additional information about the transition and accessing your benefits through WEX will be provided before January 1.
Easier Commuter Benefits enrollment through ADP
New for 2027, you can elect Transit and Parking benefits directly through ADP alongside your other Carlisle benefit elections.
Review your 2027 medical plan options
Medical contributions are changing for 2027. In addition, the deductibles and out-of-pocket maximums for the Basic and HSA plans are changing. Review your 2027 costs alongside each plan’s coverage and available account funding as you consider which option best meets your needs.
More opportunity to save with your HSA
IRS HSA contribution limits are increasing for 2027, giving eligible employees additional opportunity to save pretax dollars for qualified health care expenses.
Health Advocate available through December 31
Health Advocate will remain available through December 31, 2026. Beginning January 1, 2027, Health Advocate will no longer be available as a Carlisle benefit. Continue to use Health Advocate through year-end for support with eligible 2026 benefit needs.
How to Enroll
You have two ways to enroll in your health and income-protection benefits:
- Online – Enroll on the MyADP website any time of day or night.
- By phone – Call 844-349-0781 if you have questions or need assistance. Representatives are available to help you Monday through Friday, from 7:00 a.m. – 7:00 p.m. CT (during Open Enrollment only). Regular support hours are 8:00 a.m. – 5:00 p.m. CT.
- Have questions about the Carlisle benefit plans? Schedule an appointment with a benefits counselor before you enroll.
Do I need to enroll?
If you don’t enroll, your current benefit elections will continue next year, with the exception of Flexible Spending Accounts (FSAs), Health Savings Account (HSA) contributions and Commuter Benefits. You must take action if you want to contribute to an FSA or HSA in 2027.
Currently enrolled in Transit or Parking Benefits? You must re-enroll through ADP during Open Enrollment to continue your benefit in 2027.
Enrolling is easy!
The MyADP website will guide you through the benefits enrollment process every step of the way.
Have you selected your benefits but need help enrolling? Visit https://www.myenrollmentschedule.com/carlislebenefits.
Don’t miss out
After Open Enrollment ends, you cannot change your benefit elections unless you experience a qualifying life event.
Decision Support
Choosing the right benefit plans is important. Our decision support resources will help you understand your options and select the ones that provide the right coverage and value for you and your family.
- 2027 benefits guide – Find everything you need to know about choosing your benefits for the new year.
TIP: Think about the whole cost.
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).
Benefit Options
During Open Enrollment, you can enroll in the following benefits for 2027.
Carlisle HRA
No new enrollments in the Carlisle HRA plan will be accepted for the 2027 plan year. If you are currently enrolled in this plan, you may continue under this plan or you may select an alternative plan. Should you decide to opt for a different plan for 2027, you may not reelect the HRA plan in the future.
For 2027, deductibles and out-of-pocket maximums for the Carlisle HRA are changing. The in-network deductible will be $1,750 for individual coverage and $3,500 for family coverage. Review the medical plan comparison below for additional plan details.
Medical
Use this interactive side-by-side plan comparison to compare your 2027 medical plan options.
| Carlisle HSA | Carlisle Basic Plan | Carlisle Choice Plan | |
|---|---|---|---|
| HSA features | |||
| HSA-eligible | Yes | No | No |
| Company contribution | $850 for employee-only coverage or $1,700 if you cover dependents* | None | None |
| Annual deductible (individual/family) | |||
| In-network | $1,750/$3,500 | $1,750/$3,500 | $750/$1,500 |
| Out-of-network | $3,500/$7,000 | $3,500/$7,000 | $3,300/$6,600 |
| Coinsurance | |||
| In-network | You pay 20%, plan pays 80% | You pay 20%, plan pays 80% | You pay 20%, plan pays 80% |
| Out-of-network* | You pay 40%, plan pays 60% | You pay 40%, plan pays 60% | You pay 40%, plan pays 60% |
| Annual out-of-pocket maximum (individual/family) | |||
| In-network | $3,500/$7,000 | $3,500/$7,000 | $3,300/$6,600 |
| Out-of-network | $7,000/$14,000 | $7,000/$14,000 | $6,600/$13,200 |
| Health care visits: Your costs | |||
| Preventive care | You pay nothing in-network, covered 100% | You pay nothing in-network, covered 100% | You pay nothing in-network, covered 100% |
| Primary care (in-network) | You pay 20% after deductible | You pay 20% after deductible | $25 copay |
| Primary care (out-of-network) | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible |
| Specialist (in-network) | You pay 20% after deductible | You pay 20% after deductible | $40 copay |
| Specialist (out-of-network) | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible |
| Behavioral health (in-network) | You pay 20% after deductible | You pay 20% after deductible | Inpatient: You pay 20% after deductible Outpatient: $25 copay/visit |
| Behavioral health (out-of-network) | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible |
| Telehealth | You pay 20% after deductible | You pay 20% after deductible | Copay based on type of service and provider from which it is received |
| Urgent care (in-network) | You pay 20% after deductible | You pay 20% after deductible | You pay 20% after deductible |
| Urgent care (out-of-network) | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible |
| Emergency room visit (in- and out-of-network) | You pay 20% after deductible | You pay 20% after deductible | $150 copay |
| Prescriptions – 30-day supply at retail pharmacy: Your costs | |||
| Preventive Generic | Preferred Preventive generics are covered at no charge and excluded from the plan deductible. | ||
| Generic | 20% after deductible | 20% after the 20% member copay | $10 copay |
| Brand | 20% after deductible | 20% after the 20% member copay |
Preferred Brand: $35 copay Non-Preferred Brand: $60 copay |
| Specialty | 20% after deductible | 20% after the 20% member copay | |
| Prescriptions – 90-day supply (mail order or retail pharmacy): Your costs | |||
| Generic | 20% after deductible | Not covered | 2x retail |
| Brand | 20% after deductible | Not covered | 2x retail |
*Out-of-network benefits are based on reasonable and customary charges.
**Deductible does not apply.
†Deductible waived for some medications.
Supplemental Medical
There are no changes for 2027. The following plans are available:
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
Dental
The following plan will continue to be available:
- Carlisle Cigna DPPO Plan
Vision
There are no changes for 2027. The following plan is available:
- EyeMed Vision Plan
Savings & Spending Accounts
New for 2027:
Beginning January 1, 2027, WEX will administer your Health Savings Account (HSA), Flexible Spending Account (FSA) and Commuter Benefits.
The following accounts are available for 2027:
- Health Savings Account (HSA) – Increased contribution limits for 2027 ($4,500 for employee-only coverage and $9,000 if you cover dependents).
- Health Reimbursement Account (HRA) – Carlisle’s contribution to your HRA will remain the same in 2027.
- Health Care Flexible Spending Account (FSA) – Annual contribution limits pending IRS approval.
- Dependent Care FSA – Annual contribution limits pending IRS approval.
- Commuter Benefits – Beginning in 2027, you can elect Transit and Parking benefits through MyADP as part of your benefits enrollment. WEX will administer your Commuter Benefits.
Health & Wellness
Mental health support through Lyra
The Life Assistance Program (LAP) – Powered by Lyra provides you and your eligible family members with 8 free coaching or therapy sessions per person each year. If you’re enrolled in an Aetna medical plan, you can continue care with a Lyra network provider after your 8 free sessions, subject to your plan’s in-network outpatient mental health cost sharing.
Get heart health support with Hello Heart
If you’re enrolled in a Carlisle/Aetna medical plan, Hello Heart gives you personalized digital support to help manage your heart health. Track your blood pressure, cholesterol, medications, activity and weight, receive personalized coaching and easily share reports with your doctor.
Get support for joint and muscle pain with Hinge Health
If you’re enrolled in a Carlisle/Aetna medical plan, Hinge Health provides digital support for back, knee, hip, neck and shoulder pain, including personalized coaching and physical therapy support.
Life Insurance
There are no changes for 2027. In addition to the basic life and accidental death and dismemberment (AD&D) insurance you receive, which is company paid with no enrollment required, you may enroll in:
- Supplemental employee life and AD&D insurance
- Spouse life and AD&D insurance
- Dependent life and AD&D insurance
Disability Insurance
There are no changes for 2027. You automatically receive short-term disability and long-term disability insurance at no cost to you, with no enrollment required.
Eligibility
All active, regular, full-time employees are eligible to participate in Carlisle's benefits program. Coverage begins on your date of employment in an eligible class, provided you enroll within 30 days.
You may also cover your eligible dependents under Carlisle's medical, prescription, dental, vision, and life benefits.
Your eligible dependents include:
- Qualified legal spouse
- Your child(ren) and the child(ren) of your covered spouse (up to age 26)
- Children with disabilities who became disabled on or before age 26