Review your benefits for 2027.
Open Enrollment is your once-a-year chance to review coverage and make elections for the 2027 plan year.
Enrollment window
November 6 – November 23
Make your 2027 elections in ADP during this window. Your current 2026 benefits stay in place through December 31, 2026.
What's changing
Your 2027 benefits at a glance
The majority of benefits from 2026 are staying the same in 2027. Open each section below to learn more about what's changing and your required actions.
Employee contributionsHow Gong is sharing rising healthcare costs
At Gong, we strive to provide a competitive and affordable benefits package that is equitable to all. For 2027, healthcare costs across Cigna and Kaiser plans are expected to increase and Gong will equally share the percentage increase between what Gong covers and what employees cover.
2026 vs. 2027 monthly employee rates
Cigna HDHP (OAP HDHP)
| Coverage tier | 2026 monthly rate | 2027 monthly rate | Change |
|---|---|---|---|
| Employee Only | $0 | $0 | No change |
| Employee + Spouse/DP | $257 | $295 | +$38 |
| Employee + Child(ren) | $222 | $255 | +$33 |
| Employee + Family | $351 | $403 | +$52 |
Cigna PPO (OAP)
| Coverage tier | 2026 monthly rate | 2027 monthly rate | Change |
|---|---|---|---|
| Employee Only | $13 | $15 | +$2 |
| Employee + Spouse/DP | $338 | $388 | +$50 |
| Employee + Child(ren) | $294 | $337 | +$43 |
| Employee + Family | $459 | $527 | +$68 |
Kaiser CA
| Coverage tier | 2026 monthly rate | 2027 monthly rate | Change |
|---|---|---|---|
| Employee Only | $14 | $15 | +$1 |
| Employee + Spouse/DP | $326 | $338 | +$12 |
| Employee + Child(ren) | $273 | $283 | +$10 |
| Employee + Family | $456 | $473 | +$17 |
Kaiser HMO HI
| Coverage tier | 2026 monthly rate | 2027 monthly rate | Change |
|---|---|---|---|
| Employee Only | $13 | $13 | No change |
| Employee + Spouse/DP | $314 | $314 | No change |
| Employee + Child(ren) | $264 | $264 | No change |
| Employee + Family | $439 | $439 | No change |
Delta Dental
| Coverage tier | 2026 monthly rate | 2027 monthly rate | Change |
|---|---|---|---|
| Employee Only | $0 | $0 | No change |
| Employee + Spouse/DP | $23 | $24 | +$1 |
| Employee + Child(ren) | $28 | $29 | +$1 |
| Employee + Family | $40 | $42 | +$2 |
MetLife Vision
| Coverage tier | 2026 monthly rate | 2027 monthly rate | Change |
|---|---|---|---|
| Employee Only | $0 | $0 | No change |
| Employee + Spouse/DP | $3 | $3 | No change |
| Employee + Child(ren) | $3 | $3 | No change |
| Employee + Family | $5 | $5 | No change |
Increased HSA seedHigher Gong contributions for HDHP members
Starting in 2027, Gong's HSA seed is tied to 50% of the IRS minimum deductible.
| Coverage tier | 2026 seed | 2027 seed | Change |
|---|---|---|---|
| Employee only | $750 | $875 | +$125 |
| Family | $1,500 | $1,750 | +$250 |
Frequently asked questions
When is the seed deposited?
Gong deposits the HSA seed according to its semi-monthly payroll schedule. Funds typically arrive in your HSA account 5–8 days after the end of the pay cycle.
Do I need to do anything?
No. If you're enrolled in the HDHP, the new amount is applied automatically.
Will the seed keep changing?
It's tied to 50% of the IRS minimum deductible, which the IRS adjusts periodically. Any change will be shared during Open Enrollment.
Is there a new HSA administrator?
Yes — Fidelity administers the 2027 HSA.
401(k) after-tax contributionsSave beyond standard pre-tax and Roth limits
A new after-tax option through Fidelity lets you contribute post-tax dollars up to the overall IRS annual limit, then convert them to your Roth 401(k), where future earnings grow tax-free. This is sometimes called a "Mega Backdoor Roth."
- Who it's for: employees who have already maxed out standard pre-tax and/or Roth contributions ($25,500 in 2027).
- Cost: no additional cost to you.
- Signing up: elect directly in Fidelity NetBenefits alongside your standard 401(k) elections, available starting mid-December.
Video: Gong x Fidelity After-Tax 2027
Open in Google DriveFrequently asked questions
How do I enroll in the after-tax option?
You have to sign up for the plan in order to activate the after-tax benefit. This can be done within your Fidelity account starting 2027.
Should I use the after-tax option?
This option makes the most sense once you've already maxed your standard pre-tax and/or Roth 401(k) contributions for the year. If you're not sure whether it's right for you, consider speaking with a financial advisor.
Is my after-tax contribution automatically converted to Roth?
You can enable automatic daily in-plan Roth conversion within Fidelity NetBenefits. This ensures after-tax contributions are converted immediately upon payroll deposit, minimizing taxable earnings prior to conversion. To do so, you will need to call the Fidelity service center at 1-800-835-5097. Be sure you speak with a representative and confirm with them you are set up for in-plan Roth conversion.
Can I change my mind on enrollment?
Yes, you can make changes to your 401(k) elections at any time in your NetBenefits account. Typically changes take effect within 1 payroll cycle.
How does this impact catch-up contributions?
Catch up contributions are applicable for those age 50 and older. IRS rule requires catch up contributions to go into a Roth account if your prior year wages exceed certain threshold. The amount allowed in catch up is a separate bucket than 401(k) after-tax. In other words, after-tax contributions limits are the same regardless of your age.
Upgraded vendor partnersNew administrators — same coverage and plan designs
We review our partners every year to improve your experience. For all of these changes, your underlying coverage, plan design, and cost stay the same (or better) — only the company administering the benefit changes. Not every change affects you; check your benefits profile in ADP if you're unsure what you're enrolled in.
| Category | Current | 2027 | Action needed |
|---|---|---|---|
| Vision insurance | MetLife | VSP | None — same VSP network and benefit design |
| FSA / Dependent Care FSA / pre-tax commuter | Navia | Benepass | Re-enroll in ADP; new Benepass portal and card |
| HSA administration & banking | Navia (UMB Bank) | Fidelity | None — account opens automatically; no fees, invest from your first dollar |
| Accident / Critical Illness / Hospital Indemnity | Unum | Securian | None — same coverage; new portal |
| Legal Insurance | MetLife | Arag | None — same plan concept and coverage; new portal |
Vision: MetLife → VSP
We're moving from a fully insured MetLife plan (which already uses the VSP network) to a direct relationship with VSP. No change to your network or benefits. You still won't receive an ID card — providers identify you by your SSN.
FSA, Dependent Care FSA & pre-tax commuter: Navia → Benepass
Plan designs are unchanged. You'll use a new Benepass portal and card starting January 1, 2027. You must actively re-enroll in ADP to participate in 2027 — elections do not carry over.
HSA: Navia (UMB Bank) → Fidelity
Fidelity lets you invest from your very first dollar (compared with today's $1,000 threshold), with no account fees and a broad, low-cost investment lineup.
Voluntary Accident, Critical Illness & Hospital Indemnity: Unum → Securian
Current elections move over automatically, and you'll receive communications on accessing the plans. Make any changes during Open Enrollment in ADP.
Legal Insurance: MetLife → Arag
The plan concept and coverage stay the same. You'll receive details on accessing Arag. Make any changes during Open Enrollment in ADP.
Vendor transition FAQsAnswers by benefit
General
Will my coverage or cost change?
No. Plan design and your cost remain the same (or better). Only the administrator changes.
Do I need to do anything?
For most transitions, no — changes happen automatically on January 1, 2027. The exception is FSA, Dependent Care FSA, and pre-tax commuter benefits, which require re-enrollment in ADP each year.
What if I no longer want a plan?
Update your election directly in ADP during Open Enrollment.
How do I access my new benefits in 2027?
This benefits site will have details on registering with each new partner.
Vision
Can I see my same provider?
Yes, VSP is already our network partner.
Do I need to tell my provider?
Typically no. Our VSP group number is changing, but most providers look up your coverage using your SSN.
I just used my vision benefits — can I use them again in 2027?
Yes! All benefits refresh as of January 2027.
FSA
What happens to my 2026 Navia FSA funds?
Keep using Navia through the end of 2026. You have until March 31, 2027 to submit eligible 2026 claims. Any eligible healthcare FSA rollover moves automatically to Benepass.
Should I keep using Navia after Open Enrollment?
Yes. Open Enrollment is for 2027 — everything you have for 2026 stays through December 2026.
Pre-tax Commuter
Am I enrolled in this plan?
Most likely you are not. Pre-tax commuter is different from the Gong commuter program. Most people use Gong's program first and it covers their commuting needs. Only a small number of people who commute more frequently than the Gong program covers enroll in the pre-tax commuter plan.
What happens to my balance and elections?
After 2026, we will port over any unused commuter balance to Benepass on your behalf. For any existing elections, we are not able to carry it over. Please go into the Benepass platform in January to update your selection.
HSA
What happens to my existing Navia HSA balance?
It stays with UMB Bank unless you authorize an automatic transfer. You'll receive an email about this optional transfer in December. If you miss it, you can manage a rollover yourself once your Fidelity HSA is open in 2027.
Do I need a new Fidelity login?
No — it's the same login as your 401(k). For mobile access, download the Fidelity Health app.
Voluntary plans
What about a current claim?
Continue working with Unum for payout. For eligible events in 2026, submit within the allowed timeframe.
Where can I learn more?
Visit the Voluntary Health Benefits page for plan details, rates, and how to access Securian in 2027.
Legal Insurance
Can I keep my existing legal partner?
Most likely yes — Arag has an expansive network that shares many of the same partners as MetLife.
What if I'm already scheduled with a lawyer?
Let your lawyer know Gong is moving from MetLife to Arag. 2026 benefits are tied to MetLife; 2027 benefits to Arag.
Need help?Contact the Gong Benefits Team
Email benefits@gong.io or ask Bruno in Slack.