Open enrollment 2027
Benefits designed for today—and the future
New medical plans and other important benefit changes are ahead for 2027. Read this information to understand your options and make informed benefit choices.
You must make new elections by Nov. 9, 2026 to have benefits for 2027. Your previous elections will not carry over.
What’s new and changing
Every year, Sprinklr reviews its benefits to make sure they support your health and wellbeing, provide meaningful choice and value and remain sustainable over time.
For 2027, rising health care and prescription drug costs, changing market trends and how employees use their benefits are driving several important updates. The changes are designed to make the differences among your medical plan choices clearer, help you make informed health care decisions and give you new ways to offset your out-of-pocket health care costs.
Need help deciding?
Medical
New medical plan options! You’ll choose from three redesigned Cigna medical plans: EPO Premier, PPO Select and HDHP SmartChoice with HSA. These new plans have important changes to deductibles, out-of-pocket maximums, copays and other costs.
Take a fresh look at all three options to determine which plan best fits your needs for 2027.
Prescription Drugs
If you enroll in a Cigna medical plan option, prescription drug coverage is automatically included under the plan you choose. There are some important prescription drug coverage and cost changes for 2027, so it’s important to understand how the changes may affect the medications you take and what you pay.
- New prescription drug cost-sharing
If you enroll in EPO Premier or PPO Select, generic prescriptions will continue to have a $10 copay, while preferred and non-preferred brand medications will have 20% coinsurance. With HDHP SmartChoice, you’ll pay 20% coinsurance for all prescription drug tiers after meeting the deductible. - Changes to the covered drug list
Beginning Jan. 1, 2027, Sprinklr will use the Cigna Value Prescription Drug List. Some medications may change coverage tiers, have new approval requirements or no longer be covered, including certain allergy and heartburn medications with over-the-counter alternatives. Review your medications before the change. Cigna will send affected members a letter in November explaining their options.
Health accounts – save and pay for health care
Depending on the medical plan you choose, you may have access to a tax-advantaged account to help pay eligible health care expenses.
NEW Health Reimbursement Account (HRA) for EPO Premier or PPO Select enrollees
- Earn up to $400 from Sprinklr by completing eligible activities through the Cigna Healthcare Wellness Experience.
- HRA funds will automatically offset eligible out-of-pocket health care expenses.
Health Savings Account (HSA) for HDHP SmartChoice enrollees
- Sprinklr contributes up to $750 for individual coverage or $1,500 for family coverage annually.
- You can contribute up to $4,500 for individual coverage or $9,000 for family coverage. Those age 55 and older can contribute an additional $1,000 in catch-up contributions per year.
- Starting in 2027, employees must earn up to $400 of the Sprinklr HSA contributions by participating in the Cigna Healthcare Wellness Experience.
Flexible Spending Accounts
You can set aside pretax money in a Flexible Spending Account (FSA) to help pay for eligible health care, including prescription drugs.
- 2027 limits will be announced soon.
Dental
You’ll continue to have a choice between the Cigna Dental PPO and Cigna Dental PPO Plus. Your cost for coverage will increase, so be sure to review the new rates as you consider your options. You must enroll to have dental coverage in 2027—even if you want to keep your current coverage.
Vision
You’ll continue to have two vision plan options – the VSP Vision Plan and VSP Vision Plan Plus. The VSP Vision Plan, currently provided at no cost to employees, will have an employee premium in 2027. The VSP Vision Plan Plus will continue as a buy-up option that provides higher allowances and more frequent coverage for certain services and additional vision benefits.
Noom
Starting Dec. 15, 2026, employees actively enrolled in Sprinklr Medical coverage will have access to Noom at no cost. Noom combines psychology, technology and personalized support to help you understand your habits, make manageable changes and work toward your health and weight-management goals.
Rather than focusing only on the number on the scale, Noom helps you make small, everyday changes designed to support your long-term physical and emotional wellbeing.
Cigna Healthcare Wellness Experience
Tools and resources to help you build healthy habits based on your interests and goals. You can focus on areas such as physical activity, healthy eating, sleep, stress and emotional wellbeing—and track your progress along the way.
For 2027, there’s another great reason to participate:
- If you enroll in the EPO Premier or PPO Select medical plan, you can earn up to $400 from Sprinklr in a HRA to help directly offset eligible out-of-pocket health care expenses.
- If you enroll in HDHP SmartChoice w/HSA, up to $400 of the Sprinklr contribution will now be earned through the Cigna Healthcare Wellness Experience.
Financial education for every stage of life with OneDigital
Whether you’re managing everyday expenses, learning about investing or planning for retirement, a little guidance can help you take your next step with confidence.
Sprinklr’s new partnership with OneDigital gives you access to financial education, online tools and retirement planning resources. Explore short videos, webinars and learning materials at your own pace—and focus on the topics that matter most to you.
FAQs
Do I have to enroll?
Yes, you must actively enroll for 2027.Open Enrollment is Monday, Oct. 26–Monday, Nov. 9, 2026. Your 2026 benefit elections will not carry over. You must make new elections to have the benefits you want for 2027.
Where do I enroll?
Use the Let’s Get Started link in your Workday inbox to review your options and make your 2027 elections. Remember to complete your enrollment by Nov. 9.
Covering dependents?
Only eligible dependents can be enrolled in Sprinklr benefits.
If you are planning to enroll family members, take a moment to make sure each dependent meets Sprinklr’s eligibility requirements. You will be prompted to submit your proof of dependent in Workday before submitting your enrollment elections.
Check eligibility