U.S. Benefits 2027
Open Enrollment

Open Enrollment: November 11 - 25

Your journey. Your needs. Our support.

At Proofpoint, we succeed when you thrive—in work and in life. Our benefits are designed to support your wellbeing and growth through every stage of life. We remain committed to providing comprehensive and competitive benefits that support your needs today and help you prepare for the future. Open Enrollment is open through November 25, 2026. Review what's changing for 2027, explore your benefits options, and make any updates in Workday before the deadline. 

During Open Enrollment, you can:

  • Review your options: Compare Proofpoint’s medical plans, employee premiums, and other benefit options to make sure your coverage continues to meet your needs.
  • Check your information: Confirm your dependents and review your beneficiary designations in Workday and Fidelity.
  • Review your voluntary benefits: Explore your voluntary benefit options and decide whether you want to make changes for 2027. During Open Enrollment, you have a one-time opportunity to elect or increase Voluntary Life Insurance without providing Evidence of Insurability (EOI), subject to plan limits.
  • Enroll or re-enroll in an FSA, if applicable: FSA elections do not carry over automatically, so you must make a new election for 2027 if you want to participate.
  • Make any benefit changes: Submit your elections in Workday by November 25.

Plan terms to know -  Quick definitions

CDHP = Consumer-Driven Health Plan

HSA = Health Savings Account

PPO = Preferred Provider Organization

HMO = Health Maintenance Organization

What’s New and Changing for 2027

401(k) Retirement

For 2027, the maximum annual company 401(k) match will increase from $2,100 to $2,500, helping you save more for retirement.

Sun Life Replaces Lincoln Financial

Beginning January 1, 2027, Sun Life will replace Lincoln Financial as the provider for applicable life, disability, accident, hospital indemnity, and critical illness benefits.

  • More voluntary life coverage: You’ll be able to elect voluntary life Insurance coverage for yourself up to 7x your base salary with a maximum of $1M in voluntary life coverage, increased from 5x today.
  • One-time enrollment opportunity: During Open Enrollment, you can elect or increase voluntary life insurance without providing Evidence of Insurability (EOI), up to the guaranteed issue amounts ($350,000 for employee coverage and $30,000 for spouse coverage).
  • Previously approved EOI: If Lincoln previously approved your EOI, you do not need to take action; your approved coverage will transfer to Sun Life without another review.

Critical illness coverage limits will also increase for 2027, giving you the option to elect more coverage for yourself and your spouse.

Higher 2027 HSA Contribution Limits

If you enroll in the Cigna or Kaiser CDHP with HSA and are eligible to contribute, you can save more in your HSA in 2027. The annual contribution limits are:

  • $4,500 for individual coverage.
  • $9,000 for family coverage.
  • An additional $1,000 catch-up contribution for eligible individuals age 55 or older.

These limits include both your contributions and Proofpoint’s contributions. Proofpoint also contributes to your HSA: $1,200 annually for individual coverage / $2,400 annually for family coverage under the Cigna CDHP, or $1,000 annually for individual coverage / $2,000 annually for family coverage under the Kaiser CDHP. Proofpoint’s contributions to your HSA are made on a quarterly basis and are prorated for new hires and midyear enrollments.

Higher 2027 FSA Contribution Limits

If you enroll in the Healthcare or Limited Purpose FSA, you can contribute more in 2027. The annual contribution limit is:

  • Up to $3,500 for the Healthcare or Limited Purpose FSA.
  • You may also roll over up to $700 in unused funds, subject to plan rules.

Wellbeing Programs

We're committed to your wellbeing both at work and at home. You’ll see upcoming changes to your wellbeing resources.

  • ComPsych will replace Modern Health as Proofpoint’s mental health and Employee Assistance Program (EAP) provider beginning January 1. ComPsych will offer therapy sessions and unlimited wellbeing coaching for you and your eligible family members, along with additional support.
  • Proofpoint’s company-sponsored Care.com program will end December 31, 2026. You can continue using Care.com through a personal account. Beginning January 1, ComPsych will also offer childcare, eldercare, and caregiving resources.

Maven will continue to provide support for fertility, pregnancy, parenting, pediatric health, menopause, and other family needs. Origin Financial and Wellhub will also continue to offer financial and physical wellbeing support in 2027.

Updates to Deductibles, Out-of-Pocket Maximums, and Emergency Room Care

For 2027, the Cigna PPO will have new deductibles and out-of-pocket maximums. In-network and out-of-network deductibles and out-of-pocket maximums will be tracked separately rather than cross-accumulating between networks.

2027 Cigna PPO
In-Network
Out-of-network
Individual deductible
$500
$500
Family deductible
$1,000
$1,000
Individual out-of-pocket maximum
$4,000
$8,000
Family out-of-pocket maximum
$7,000
$14,000

The emergency room copay also increases to $150 copay plus 10% coinsurance, deductible waived,  per visit. Other applicable plan cost sharing may still apply.

Prescription Drug Cost and Coverage Updates

For both Cigna medical plans, prescription drug copays will increase to $20 for generic medications, $50 for formulary brand medications, and $70 for non-formulary brand medications. CDHP members remain subject to the plan’s applicable deductible rules.

Specialty medications will be subject to 30% coinsurance with a $500 maximum.

Coming March 1, 2027: New GLP-1 Coverage Requirements

New coverage requirements for GLP-1 weight management medications under the Cigna PPO and CDHP plans.

Review the FAQ for more information about the new coverage criteria. If you currently take a GLP-1 medication for weight loss, Cigna will contact you directly with additional information before the change takes effect.

2027 Kaiser CDHP Deductible and Out-of-Pocket Maximum Updates

The Kaiser CDHP with HSA is updating its deductible to meet IRS requirements. The out-of-pocket maximum will also increase:

2027 Kaiser CDHP
Individual coverage
Individual within a family / family
Deductible
$1,750
$3,500
Out-of-pocket maximum
$3,500
$7,000

These changes apply to the Kaiser CDHP with HSA, available to eligible California employees. The Kaiser HMO remains a separate medical-plan option.

Compare Your Medical Plans

Proofpoint offers four medical options, including two California-only Kaiser plans. Compare how you pay for care, where you can receive services, and whether an HSA is available before selecting your coverage.

Not sure which option fits your needs?

Review the medical plan comparison and try the Proofpoint Medical Plan Cost Calculator to estimate costs based on your expected healthcare use.

ALL LOCATIONS

Cigna CDHP with HSA | Lower Premiums + HSA

Consider this plan if you want lower monthly payroll contributions and the flexibility to build tax-advantaged HSA savings while meeting a higher deductible before the plan shares in many costs.

  • Access to the same network providers as the Cigna PPO plan, with both in- and out-of-network coverage.
  • Deductible (combined in- and out-of-network): $2,000 individual / $4,000 family.
  • In-network out-of-pocket maximum: $3,000 individual / $6,000 family.
  • Proofpoint annual HSA contribution: $1,200 individual / $2,400 family annually, paid quarterly.
ALL LOCATIONS

Cigna PPO | More Predictable Office-Visit Copays

Consider this plan if you prefer lower deductibles and office-visit copays, and you want the flexibility to use Cigna in-network providers or receive out-of-network care at a different cost.

  • Deductible: $500 individual / $1,000 family, in network and out of network separately.
  • In-network out-of-pocket maximum: $4,000 individual / $7,000 family.
  • Copays for many office visits; no HSA pairing.
  • HSA contributions are not available through this plan, but you can consider enrolling in a Flexible Spending Account (FSA).
CALIFORNIA ONLY

Kaiser CDHP with HSA | Coordinated Kaiser Care + HSA

Consider this plan if you live in California, prefer receiving care through Kaiser, and want a health plan paired with an HSA. You’ll generally meet a deductible before Kaiser shares in eligible service costs.

  • Coverage through Kaiser providers and facilities; outside-network care is generally not covered except a for emergencies.
  • Deductible: $1,750 individual / $3,500 family; see the plan’s family accumulation rules.
  • Out-of-pocket maximum: $3,500 individual / $7,000 family.
  • Proofpoint annual HSA contribution: $1,000 individual / $2,000 family annually, paid quarterly.
  • Eligibility for Kaiser coverage is based on your home address and Kaiser's service area.
CALIFORNIA ONLY

Kaiser HMO | Predictable Copays, No Deductible

Consider this plan if you live in California and prefer coordinated care through Kaiser, with copays for many services and no medical deductible.

  • Use Kaiser providers and facilities, except for emergency coverage.
  • No medical deductible.
  • In-network out-of-pocket maximum: $1,500 individual / $3,000 family.
  • HSA contributions are not available through this plan, but you can consider enrolling in a Flexible Spending Account (FSA).
  • Eligibility for Kaiser coverage is based on your home address and Kaiser's service area.

Other Benefits to Review

Your benefits include more than just medical coverage. Take time to review the additional benefits available to support you and your family.

  • Dental and vision: Cigna dental and VSP vision coverage help support preventive care and routine services.
  • Flexible Spending Account (FSA): See whether a Health Care FSA, Limited FSA, or  Dependent Care FSA fits your eligible expenses and medical-plan election. Remember, FSA elections do not carry over automatically; you must enroll  or re-enroll each year if you want to participate. FSA funds are "use it or lose it," but eligible unused Health Care FSA and Limited FSA funds may be carried over up to the annual IRS limit each year.
  • Life and disability protection: Review your company-provided benefits, voluntary coverage, and beneficiary designations. Sun Life will replace Lincoln for these coverages in 2027. During Open Enrollment, you can elect or increase voluntary life insurance without providing Evidence of Insurability (EOI), subject to plan limits.
  • Additional protection and support: Explore accident, critical illness, hospital indemnity, and legal benefits.

Who Can Enroll and When Elections May Change

Full-time employees working at least 30 hours per week are eligible for Proofpoint benefits. Eligible family members include your spouse or domestic partner and dependent children up to age 26. Generally, you can change your elections outside Open Enrollment only after an eligible qualifying life event, such as marriage, divorce, birth, or adoption. Most events must be reported within 31 days. See the Eligibility and Enrollment page for more details.

2027 Plan Costs

Employee premium contributions are increasing for medical, dental, and vision coveragein 2027. The amounts below are monthly premium contributions. The amount deducted from each paycheck will depend on whether you are paid biweekly or semi-monthly.

Coverage tier
Cigna CDHP / HSA
Kaiser CDHP / HSA
Cigna PPO
Kaiser HMO
Employee Only
$77
$67
$224
$179
Employee + Spouse or Partner
$351
$324
$888
$767
Employee + Child(ren)
$317
$342
$745
$651
Employee + Family
$511
$459
$1,218
$1,089

Kaiser medical plans are available to eligible California employees only.

Coverage tier
Cigna Dental
VSP Vision
Employee Only
$10
$3
Employee + Spouse or Partner
$34
$5
Employee + Child(ren)
$33
$6
Employee + Family
$61
$10
Coverage tier
Sun Life Accident Insurance
Sun Life Hospital Indemnity
Employee Only
$5.18
$7.57
Employee + Spouse or Partner
$9.52
$22.09
Employee + Child(ren)
$11.52
$14.14
Employee + Family
$15.54
$28.67
Coverage (Employee/Spouse or Partner)
Sun Life Critical Illness
Age Range
Monthly Rate Per $1,000 of Coverage
0-29
$0.130
30-39
$0.241
40-49
$0.532
50-59
$1.060
60-69
$1.946
70+
$4.184
Child(ren) under 26
$0.170
Coverage (Employee/Spouse or Partner)
Sun Life Voluntary Life
Age Range
Monthly Rate Per $1,000 of Coverage
0-24
$0.060
25-29
$0.060
30-34
$0.080
35-39
$0.090
40-44
$0.110
45-49
$0.160
50-54
$0.280
55-59
$0.490
60-64
$0.660
65-69
$1.270
70+
$2.060
Child(ren) under 26
$0.200
Coverage
LegalEASE Legal
Employee + Family
$19.92

Proofpoint pays the full cost of company-provided Basic Life/AD&D, Short-Term Disability, and Long-Term Disability coverage.

Need help understanding your benefit options?

Pasito, your Benefits AI Assistant can help you explore options, compare plans, and get answers to common benefits questions. Open Pasito in Microsoft Teams to get started, or search for the Pasito AI Benefits Assistant app in Teams. Review the instructions for additional details.

Your individual questions are not visible to Proofpoint unless you choose to share them. Please avoid entering sensitive or personal health information and use the tool for general benefits questions and guidance only. The Pasito AI Assistant provides general benefits information and guidance and may occasionally make mistakes. Refer to the official plan documents and Proofpoint benefit policies for the most accurate and complete information.

Ready to Enroll?

Review your current elections, compare your 2027 options, and make any changes before November 25, 2026. Most current benefit elections will automatically carry over into 2027 if you do not make changes, but FSA elections require annual enrollment or re-enrollment.

Enroll