Open Enrollment for 2024 benefits takes place from November 6 – November 19, 2023. During this time, you will have the opportunity to elect, change, or waive benefits for the 2024 plan year. Any benefits you elect are effective January 1 – December 31, 2024.

We know one size doesn’t fit all, so that’s why ARCO makes sure that you have an array of benefit options so you can choose those that suit you and your family best. Open enrollment is the time to review these options and to pick the ones that match your needs for the upcoming year. Take the time to review these benefit options closely so that you can rest easy knowing that you have the plan that’s right for you.

For the plan year 2024, associates will have the ability to renew their benefits elections through a passive enrollment. This means that for those associates who do not wish to make any changes to their current elections, all of your current benefit elections will roll forward (except for Flexible Spending Accounts – associates need to choose to enroll in Flexible Spending Accounts each year).


What’s new?

We are moving to a new medical provider for the 2024 year, UMR. UMR is a part of the United Healthcare family of companies and the networks for medical and pharmacy will not be changing. There will be a 5.8% increase to premiums for the 2024 plan year. If enrolled in ARCO medical insurance, you will receive new ID cards in the mail with instructions on how to activate them. Since there are no changes to our vision and dental coverages, there will not be new insurance cards issued unless you make a change to your coverage. You can continue using your current Delta dental card for you and your dependents in 2024. Please note there is no physical VSP ID card. If you are enrolled in vision coverage, you just let your doctor know we use VSP and our group number.

As a reminder, if you are enrolling new dependents in your 2024 coverage, you will be required to upload documentation to verify them. For more details on what will be required to verify your new dependents please click here.

Want to learn more?

You can review our Open Enrollment Guide for more details on plan coverage and rates. You can also view our open enrollment webinar. The webinar focuses on determining which plans are right for you, reviews how to pull past claims history, calculate costs on both plans, and make the best decisions for 2024. We also review HSAs and FSAs and how to get the most out of them. The webinar will also include an overview of our new My Benefits Portal!



If you are enrolled in the Medical FSA plan for 2023, you have until 01/31/2024 to incur claims to submit toward your 2023 contributions. All claims must be submitted to MyChoice Accounts no later than 3/31/2024. Any unused funds in your account will be lost.

Dependent Care FSA plans have until 12/31/2023 to incur claims to submit toward your 2023 contributions. All claims must be submitted to MyChoice Accounts no later than 3/31/2024. Any unused funds in your account will be lost.

Commuter and Parking FSA account balances will roll over to 2024 for future use. 

You must be enrolled in the High Deductible Health Plan (HDHP) if you wish to open and contribute to a Health Savings Account (HSA). You cannot be enrolled in an HSA and an FSA in the same year.

The 2024 HSA contribution limits have been released. You can contribute up to $4,150 as an individual and up to $8,300 as a family. If you are 55 or older in 2024, you can contribute an additional $1,000 catch-up contribution.

The 2024 FSA Medical contribution limit is $3,200.

The 2024 FSA Commuter and Transit limits are $315 monthly.

The Dependent Care annual maximum will remain the same at $5,000 for 2024.


Elections are made in the My Benefits Portal through UKG. Access instructions can be found here.

  1. The first step is to log in to UKG. Contact technology@arco1.com if you need assistance logging in.
  2. To launch open enrollment, click the “Menu” tab at the top left-hand corner of the screen, hover over the Myself tab, and click on “My Benefits”.
  3. Once inside the My Benefits Portal, you will want to navigate to your open enrollment event, select your desired coverage, and be sure to click Approve on the review page. If you do not receive a confirmation page, then your elections have not been submitted.
  4. Please reach out to benefits@arco1.com if you have any questions.

*Please note that anyone you wish to enroll in coverage needs to be marked as a dependent in the system (even your spouse), and you must have their social security number and date of birth on their contact record. You will be required to submit documentation to verify dependent eligibility.

Don’t Forget, ARCO provides these great resources to you and your family!
Health Advocate
Health Advocate is a white glove advocacy service that helps with all things relating to health insurance. They will support you, your spouse, children, parents, and in-laws for free. They can assist you in finding specialists, long term care facilities, and in-home healthcare. They can also help with administrative issues such as getting necessary prior approvals, resolving claims and billing questions, coordinating benefits, and much more. Give them a call (866-695-8622) or visit members.healthadvocate.com

Employee Assistance Program 
ARCO offers an employee assistance program through SupportLinc. They offer free and confidential coaching and counseling services to you and your immediate family. Their website has educational content on a variety of mental, physical, financial, legal, lifestyle, parenting, and career topics. Just give them a call (1-888-881-5462) or visit supportlinc.com to get started.

Group Code = ARCO

Virtual Visits
Virtual visits give you convenient access to care online via your phone or computer at any time. For those enrolled in the PPO medical plan, the cost for a virtual visit is just a $0 copay. On the HDHP plan, the cost is $59, which is significantly lower than the cost of an in-person visit. Visit Teladoc.com or call 1-800-Teladoc to get started.


These videos break down the insurance coverages by topic, so you only have watch the topics you are interested in.
*To view this year’s rates, refer to your Open Enrollment Guide

Questions? Email the Benefits Team!