Open Enrollment for 2022 benefits takes place from November 8 – November 26, 2021. During this time, you will have the opportunity to elect, change, or waive benefits for the 2022 plan year. Any benefits you elect are effective January 1 – December 31, 2022.

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 2022, 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?

All coverages will remain the same for 2022. The only premium change is a 5.3% increase to medical premiums. Since there are no changes to our coverage, there will not be new insurance cards issued unless you make a change to your coverage. You can continue using your current cards in 2022.

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 2022. We also review HSAs and FSAs and how to get the most out of them. Please click the link below to view.




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 2021 Open Enrollment Guide


If you are enrolled in the Medical or Dependent care FSA plan for 2021, you have until 01/31/2022 to incur claims to submit towards your 2021 contributions. All claims must be submitted to Flores and substantiated no later than 2/28/2022. Any unused funds in your account will be lost.

Commuter and Parking FSA account balances will roll over to 2022 for future use. You will receive a new FSA Debit Card for the rollover balances for the Commuter and Parking balances.

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 2022 HSA contribution limits have been released. You can contribute up to $3,650 as an individual and up to $7,300 as a family. If you are 55 or older in 2022, you can contribute an additional $1,000 catch up contribution.

The FSA contribution limits will remain the same, $2,750 for 2022.

FSA Commuter and Transit limits for 2022 will remain the same at $270 monthly.

The Dependent Care annual maximum will remain the same at $5,000 for 2022.


Elections can be made in our HRIS system UKG, beginning on 11/08/21.

The first step is to log in to UKG. Contact technology@arco1.com if you need assistance logging in.

The second step, to launch open enrollment, click the “menu” tab at the top left-hand corner of the screen, hover over myself tab, and select open enrollment.

Finally, once inside the open enrollment menu, you will want to elect your desired coverage and be sure to click submit on the confirm your elections and changes tab. If you do not receive a confirmation page, then your elections have not been submitted. You will need to address any errors at the top of the confirm tab before you can submit

* 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.


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 Personal Assistance Services. They offer free and confidential coaching and counseling services to you and your immediate family. In addition, they have great resources available including a free will and power of attorney kit. Just give them a call (800-356-0845) or visit paseap.com to get started. Company 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 $10 copay. On the HDHP plan, the cost is $50, which is significantly lower than the cost of an in-person visit. Visit amwell.com or doctorondemand.com or download their apps in the app store to get started.

Questions? Email the Benefits Team!