Open Enrollment for your 2025 benefits begins Monday, October 14 and ends Friday, November 1. This is your annual opportunity to review your benefits and select ones that provide the best coverage and value for you and your family.
2025 changes
The Getty works to offer a benefits program that meets the needs of our employees. During Open Enrollment, you have the opportunity to make changes that might better support your total well-being. Open Enrollment is also the time when you must elect the Flexible Spending Accounts, Health Saving Account, and Metlife Legal Plan for the upcoming calendar year. These benefits require re-enrollment every year and do not automatically carry over to the next year.
| Benefit | |
|---|---|
| Cost sharing | Employee medical plan rates will slightly increase from the 2024 rates. |
| Medical | No changes to UnitedHealthcare HMO plans. The IRS has increased the minimum HDHP deductible allowed for 2025. Therefore, the Aetna HDHP deductibles have increased to $1,650 individual/$3,300 family in-network, and $1,850 individual/$3,700 family out-of-network. |
| Prescription drugs | No changes |
| Dental | No changes |
| Health Savings Account (HSA) | IRS Annual Limits have increased to $4,300 for an individual and $8,550 for Family. Add $1,000 to those limits if you are 55 or older. The Getty will continue to contribute $750 for individuals and $1,500 for employee +1 or more. |
| Life insurance | No changes |
| Long-Term Disability insurance | No changes |
| Healthcare and Limited Purpose FSAs | Annual limits have increased to $3,200 |
How to enroll
Benefit elections are made using the Getty’s Employee Self Service (ESS). After Open Enrollment closes, you cannot change your benefit elections unless you experience a qualifying life event, such as a birth or marriage.
What if I have a qualifying life event?
If you have a qualifying life event, visit the Life Events page to understand what you must do to keep your benefits current.
- 2025 Open Enrollment Flyer — Outlines the steps and key dates for enrollment.
- View Health Insurance 101 video
- View and make your benefit changes in Employee Self Service.
- 2025 Contribution Rates — Your cost for healthcare will slightly increase from the 2024 rates.
Decision support
Choosing the right plans is important for both your health and your financial well-being. If you have questions, please contact Getty Human Resources at 310-440-6523 or HR@getty.edu.
Your enrollment checklist
- Learn about your benefit options, paying special attention to the changes coming next year.
- Think about your coverage needs, including how much health care you anticipate needing and whether your current life and disability insurance provides enough protection.
- Make sure your dependent information is correct and all your dependents are still eligible.
- Update your FSA enrollment and HSA contribution amount.
- Review your beneficiaries — it’s a good idea to review your beneficiary information (especially if your personal circumstances have changed) and take this opportunity to make updates as needed.
- Complete your benefits enrollment by November 1.