We have a few updates to share about your medical benefits for 2027:

• New! Anthem Clear Choice Plan: The Anthem EPO is transitioning to Anthem Clear Choice plan, offering high-quality care with a simple, copay-based design. Review the updated plan details on the Medical page. Note that the Garner HRA will not be offered to those enrolled in the new Clear Choice plan.
• Garner HSA Reimbursement for CDHPs: If you’re enrolled in the PPO Plan, you can be reimbursed up to $1,000 for individuals or $2,000 for families. If you’re enrolled in one of the CDHP plans, you can earn HSA contributions up to $1,000 for individuals or $2,000 for families.

Enjoy higher frame and contact lens allowances, plus free retinal imaging on both vision plans, all at no additional cost to you. Review the updated plan details on the Vision page.

The number of no-cost counseling sessions available through SupportLinc EAP is increasing from 6 to 10 sessions per issue.

This enhancement gives you and your loved ones greater access to confidential support, guidance, and resources when you need them most.

Learn more and review the updated plan details on the Employee Wellness page.

 Health Savings Account (HSA)

• IRS Maximums: You can now contribute up to $4,500 for individual coverage and $9,000 for family coverage. These increased limits allow you to save more for future healthcare expenses while enjoying tax advantages.
• There are no changes to FBM’s HSA contributions. The company HSA contribution will continue to be $500 for employee only coverage and $1,000 for all other tiers of coverage in 2027.

Flexible Spending Accounts (FSAs)

The IRS has announced the Health Care and Limited Purpose FSA maximums for 2027:

• Health Care FSA: You can now contribute up to $3,400.*
• Limited Purpose FSA: You can now contribute up to $3,400.*
• Dependent Care FSA: Annual maximum will remain at $5,000 for 2027.

*Limits are based on information available at the time of publication and are subject to change. For the most up-to-date limits, visit IRS.gov. 

401(K)

• IRS Maximums: You can now contribute up to $24,500 for 2027.

Learn how you can save more on the HSA & FSA and Retirement & Investing pages.

Through the Lowe’s Alliance Discount Program, all eligible associates and their eligible spouses will have access to a 10% discount on all eligible merchandise purchased through Lowe’s retail locations, Lowes.com, and Lowe’s mobile applications. For more information, please review the Lowe’s Alliance Discount Program page.

If you’re enrolled in the Low or High CDHP, you can earn contributions towards your HealthEquity HSA when you choose a Garner Top Provider. It’s an easy way to save while getting high-quality care.