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2027 U.S. Benefits Annual Enrollment

2027 U.S. Benefits Annual Enrollment

Annual Enrollment is your opportunity to take a fresh look at your health care coverage, explore new and enhanced benefits, and make sure your current benefit elections are still the right fit for you and your family.

Take a few moments to review the information and choose the 2027 coverage that works best for you and your family.

All employees should log in to the Phillips 66 Benefits Center and complete the required enrollment activities, even if you plan to keep your current coverage.

Online enrollment ends at midnight Central time (or at 6 p.m. Central time if by phone) on Friday, Nov. 13. Once Annual Enrollment ends, your benefit elections in the system will be locked in for Jan. 1, 2027.

Take Action: Enroll Oct. 28 to Nov. 13

There are multiple ways to enroll:

Enroll online:
My HR Tools > Annual Enrollment Tile
Phillips 66 Benefits Center
Download the Alight Mobile App and log in using your Alight Worklife credentials.

Enroll by phone:
Call the Phillips 66 Benefits Center at 800-965-4421, 8 a.m. to 6 p.m. Central time, Monday through Friday

Questions?
Call the Phillips 66 Benefits Center or send an email to HRAnnualEnrollment@p66.com.

Enhanced for 2027

Included Health: One Call. One Click. One Trusted Place to Start.
Meet your new front door to health and well-being benefits and virtual care. You may already know Included Health, but now your experience is even better.
Whether you need help understanding your health and well-being benefits, finding care, navigating a diagnosis, planning a procedure or accessing specialized support, Included Health connects you to the right resource while saving you time and managing your cost.
Included Health replaces Teladoc on January 1, 2027, for Virtual Primary Care and Virtual Urgent Care. Access virtual care via the Included Health app or via your computer web browser by logging into your account. Virtual care through Included Health is at $0 cost to you.
Visit: includedhealth.com/phillps66
Call: (844) 339-6732
FAQ: Frequently Asked Questions
Video: Included Health Video
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Important Enrollment Reminders & Action Items

Review and verify

  • Medical, dental, vision, and Lyra coverage: If you don't make changes, your 2026 elections will carry over to 2027.
  • Legal, Accident Insurance, Hospital Indemnity Insurance, and Critical Illness Insurance: If you don't make changes, your 2026 elections will carry over to 2027.
  • Confirm the contact information (phone and address) for your beneficiaries is current on the Phillips 66 Benefits Center website.

Complete if applicable

  • Supplemental Life Insurance: If enrolled, you must complete a tobacco attestation to avoid paying higher tobacco-user rates in 2027.
  • Enhanced LTD: Enroll if you'd like a higher level of coverage than the employer-paid basic LTD coverage.

    Note: Complete the required evidence of insurability (EOI) if you increase your Supplemental Life Insurance Coverage or upgrade to Enhanced LTD.

  • FSA: Enroll if you wish to participate in the Health Care FSA and/or Dependent Care FSA.

    Note: To roll over a portion of your 2026 Health Care FSA funds into 2027, you must enroll in the Health Care FSA for 2027.

Consider other coverage options

NEW for 2027

For more information about these updates, plan options and benefit details, review the 2027 Benefits Annual Enrollment Guide.

  • Enhanced services with Included Health
    • Virtual Primary Care and Virtual Urgent Care at $0 for PPO and HDHP participants
    • Benefits navigation services
  • Teladoc services are ending December 31, 2026 and Included Health will provide virtual primary care and virtual urgent care.
  • Access to MyEvive will not be available after Dec. 31, 2026.
  • Voluntary Benefits Enhancements:
    • Critical Illness coverage is expanding with more covered conditions, added second-opinion support, and easier access to recurrence benefits.
    • Accident coverage is being enhanced to provide more support for sports injuries, treatment, follow-up care, and recovery.
    • Hospital Indemnity is being enhanced with new newborn benefits, broader hospital support, and no calendar-year cap on admissions.
    • Review this link for more information regarding the new enhancements.
    • You can now enroll and unenroll at any time for all Voluntary Benefits offered through MetLife.
  • Customize your path to earning Total Well-Being Incentive Program payroll credits in 2027, with new and expanded activity options.
  • New items will be eligible for reimbursement through the Total Well-Being Reimbursement Account.

NEW for 2027

For additional details on these updates, plus plan options and benefit descriptions, review the 2027 Benefits Annual Enrollment Guide for Pre-65 Retirees.

  • Enhanced services with Included Health
    • Virtual Primary Care and Virtual Urgent Care at $0 for PPO and HDHP participants
    • Benefits navigation services
  • Teladoc services are ending December 31, 2026 and Included Health will provide virtual primary care and virtual urgent care.

Coverage through the Exchange

Retirees eligible for the Phillips 66 Retiree Medical Account (RMA) can use their credits to pay for medical, dental, and vision premiums or reimburse themselves for eligible premium expenses through the options below:

  • Phillips 66 Retiree Medical Plan
  • Continuous COBRA coverage
  • Medicare premiums (Part B and D)
  • The Exchange
  • Coverage obtained outside the plan

You have the option to pay only a portion of your RMA eligible premiums using credits from your RMA. You can choose from 25%, 50%, 75% or 100% reimbursement for your coverage. Your RMA premium payment election will be applied to all RMA-eligible benefits in which you are enrolled. Phillips 66 retirees can access resources to help identify health care exchange options available to them by contacting Health Coverage Resources.

NEW for 2027

For additional details on these updates, plus plan options and benefit descriptions, review the 2027 Benefits Annual Enrollment Guide for COBRA Participants.

  • Enhanced services with Included Health
    • Virtual Primary Care and Virtual Urgent Care at $0 for PPO and HDHP participants
    • Benefits navigation services
  • Teladoc services are ending December 31, 2026 and Included Health will provide virtual primary care and virtual urgent care.

COBRA Information

Cobra participants eligible for the Phillips 66 Retiree Medical Account (RMA) can use their credits to pay for COBRA medical, dental, and vision and Lyra premiums. You can choose from 25%, 50%, 75% or 100% reimbursement for your coverage.

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) may allow you and/or your dependents to continue medical, dental, vision, and mental health and well-being coverage if that coverage is lost due to a "qualifying event." (For example, you leave the company, divorce your spouse, or your child reaches the plan's age limit.) You pay the full cost for COBRA coverage.

Important Enrollment Reminders & Action Items

Eligible employees may need to complete the following during 2027 Benefits Annual Enrollment:

  • Supplemental Life Insurance: If enrolled, you must complete a tobacco attestation to avoid higher tobacco-user rates in 2027.
  • Enhanced LTD: Enroll if you'd like a higher level of coverage than the employer-paid basic LTD coverage.

    Note: Complete the required evidence of insurability (EOI) if you increase your Supplemental Life Insurance Coverage or upgrade to Enhanced LTD

  • FSA: Enroll if you wish to participate in the Health Care FSA and/or Dependent Care FSA.

    Note: To roll over a portion of your 2026 Health Care FSA funds into 2027, you must enrolled in the Health Care FSA for 2027.

2027 Benefits Information

For details regarding 2027 benefits, see the 2027 Benefits Annual Enrollment Guide. For more information about your available coverage, see the links below.

Health and Well-Being

2027 Summary of Benefits and Coverage (SBC)

2027 Benefits Information

For details regarding 2027 benefits, see the 2027 Benefits Annual Enrollment Guide for Pre-65 Retirees. For more information about your available coverage, see the links below.

Health and Well-Being

2027 Summary of Benefits and Coverage (SBC)

2027 Benefits Information

For details regarding 2027 benefits, see the 2027 Benefits Annual Enrollment Guide for COBRA Participants. For more information about your available coverage, see the links below.

Health and Well-Being

2027 Summary of Benefits and Coverage (SBC)