What You Need To Know
Open Enrollment for 2025 has ended, but you can still explore the benefits changes headed your way in the coming year.
Benefits Changes for 2025
UnitedHealthcare (UHC) Medical Plan Changes
- To give you more flexibility in selecting coverage that best fits your and your family’s needs, we’re making some changes to our UHC medical plans.
- We’re adding a new preferred provider organization (PPO) plan. It has the highest paycheck contributions of all the plans but offers a set copay for primary care and specialist visits, ER and urgent care visits, and prescriptions. Note that the Synopsys PPO Plan is not eligible for a Health Savings Account (HSA), but you can use a Health Care Flexible Spending Account (FSA), which helps you save on health care expenses. Learn more about FSAs by watching this short video.
- The Synopsys Health Savings (HS) Standard Plan, the middle-tier HS plan, is being eliminated. If you’re currently enrolled in this plan, you MUST select a different plan for 2025.
- Under all UHC plans, there will no longer be any limits to the number of covered visits for mental health or substance abuse treatment, if you have a doctor’s diagnosis.
- To maintain compliance with IRS rules, there are some changes to the deductible and out-of- pocket maximum for the Synopsys HS Basic Plan and changes to the deductible for the Synopsys HS Premium Plan.
- Synopsys HS Basic Plan: For individuals, the deductible is decreasing from $2,500 to $2,250, and the out-of-pocket maximum is decreasing from $4,000 to $3,500. For those with family coverage, the deductible is decreasing from $5,000 to $4,500, and the out-of-pocket maximum is decreasing from $8,000 to $7,000.
- Synopsys HS Premium Plan: For individuals, the deductible is increasing from $1,600 to $1,750. For those with family coverage, the deductible is increasing from $3,200 to $3,500. The out-of-pocket maximum remains the same at $3,000 for individuals and $6,000 for family.
- If you’re enrolled in the Synopsys HS Premium Plan, Synopsys also contributes to your HSA! There are no changes to Synopsys contributions for 2025. Learn more about the benefits of using an HSA by watching this short video.
Learn More
Get help choosing your medical plan by checking out this overview or watching this short video.
VSP Vision Plan Changes
If you’re enrolled in the Signature Plus Plan, the VSP EasyOptions additional allowance is increasing for frames (from $95 to $145) and contact lenses (from $70 to $120).
2025 Bi-Weekly Employee Premiums
| Medical Coverage Level | Synopsys HS Basic Plan | Synopsys HS Premium Plan | Synopsys PPO Plan | Kaiser HMO* (CA and OR) |
|---|---|---|---|---|
| You Only | $19.08 | $51.36 | $57.14 | $56.80 |
| You and Spouse or Domestic Partner | $53.37 | $132.82 | $140.10 | $134.10 |
| You and Children | $33.39 | $106.23 | $112.05 | $103.05 |
| You, Spouse or Domestic Partner, and up to 2 Children | $103.07 | $222.74 | $234.94 | $204.19 |
| You, Spouse or Domestic Partner, and 3 or More Children | $123.69 | $267.29 | $281.93 | $245.03 |
* The Kaiser CA and Kaiser OR plans are now aligned and feature the same benefits at the same rates. If you’re enrolled in the OR plan today, you’ll notice an increase in your rates if you enroll in the Kaiser HMO plan for 2025.
Savings and Spending Accounts Contribution Max Increases
- The IRS limit for contributing to an HSA will increase to $4,300 for individuals and $8,550 for families in 2025. Keep in mind that this maximum amount includes the Synopsys HSA contribution, and employees 55 and older may contribute an additional $1,000.
- The IRS limit for contributing to a Health Care FSA or Limited Purpose FSA will increase to $3,300.
Life Insurance Plan Enhancements
The benefit maximum for employee supplemental life insurance is increasing from $1,000,000 to $1,500,000 (not to exceed 8 times your annual earnings).
You can buy life insurance coverage for your child(ren) in the amount of $1,000, $5,000, $10,000, $15,000, or $20,000. Previously, only the first three options were available.
Group Legal Plan Buy-Up Option
You have a new Group Legal Plan option through MetLife: a buy-up plan that covers your parents, parents-in-law, and grandparents. This can come in handy if your loved ones are needing help with will or trust preparation, estate planning, or any other legal matters. To learn more, review the MetLife Legal Plans Overview.
New Voluntary Supplemental Insurance Plans
If you or a family member ever experiences an accident or serious illness, you (and your bank account) will be glad you put some safety nets in place. For 2025, you can enroll in hospital indemnity, accident, and/or critical illness insurance, which are optional plans that pay cash benefits directly to you if you experience a covered event, regardless of what your medical plan pays.
Hospital Indemnity Insurance
Hospital Indemnity Insurance
If you or a covered family member is hospitalized for a covered accident or illness, this plan will pay you a lump-sum benefit for hospitalization, plus a daily amount for each day of your hospital stay. If you’re planning a surgery for which you’ll be hospitalized, or if you’re planning to have a baby, you may want to consider hospital indemnity insurance.
Covered services include:
- Admission to a hospital
- Hospital stays
- Intensive care unit stays
- Inpatient rehab unit stays
Accident Insurance
Accident Insurance
Accidents happen when you least expect them, whether you get rear-ended on your way home from work, you fall off a ladder while painting the kitchen, or your child gets hurt during a soccer game.
With accident insurance, you’ll receive a lump-sum reimbursement when you’re injured and need treatment because of an accident that happens when you’re not at work. You can also enroll your spouse or domestic partner and/or children.
Covered services include:
- Emergency room and urgent care visits
- Physical and chiropractic therapy
- Leg braces and crutches
- Treatment for fractures and dislocations
- Treatment for burns
Critical Illness Insurance
Critical Illness Insurance
When you suffer a covered critical illness such as cancer, heart attack, or stroke, this plan sends a lump-sum reimbursement directly to you. You also can get paid for having a yearly preventive screening or mammogram. If you enroll in critical illness coverage, you can choose from coverage amounts of $15,000 and $30,000 for both you and your spouse or domestic partner and coverage amounts of $7,500 and $15,000 for your child(ren).