What’s new and changing
For 2025, there’s a new medical plan to consider, some contribution changes and claim deadlines you should know about, and a new FSA administrator.
Medical
Pretax accounts
Long-term care insurance
Backup care
Medical
Aetna
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New plan: Aetna HealthSelect EPO
The new Aetna HealthSelect exclusive provider organization (EPO) plan, an in-network-only plan, offers an alternative to the Aetna HealthSave Basic, Aetna HealthSave, and Kaiser HMO plans.
Learn more about your medical plan choices.
Higher contributions, deductibles, and out-of-pocket limits
To keep pace with increasing health care costs, employee contributions for the Aetna HealthSave Basic and HealthSave plans will increase. See your health care rates.
In addition, due to IRS mandates, there are higher deductibles and out-of-pocket maximums for these plans.
(In-network)
$3,300 family
$7,600 family
(In-network)
$3,900 family
$8,850 family
(Out-of-network)
$6,600 family
$13,200 family
(Out-of-network)
$7,800 family
$16,700 family
Check the 2025 medical plan chart [PDF] for copays, deductibles, coinsurance, and other plan costs.
Provider search enhancement
All Aetna plans will include an enhanced, personalized provider search function that uses artificial intelligence to help you find quality in-network care.
Kaiser Permanente
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Employee contributions and copays remain the same for 2025. See your health care rates.
Remember that you can contribute to a Health Care Flexible Spending Account (FSA) for pretax savings on health care expenses.
No medical opt-out credit
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The credit for opting out of medical coverage will be discontinued in 2025. If you have access to other medical plan options outside of Adobe, compare and select the plan that best meets your needs.
Pretax accounts
Health Savings Account (HSA)
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In 2025, the maximum amount you can contribute to your HealthEquity HSA is increasing to $4,300 for individuals and $8,550 for families, per IRS guidelines. The catch-up contribution limit if you’re 55 or older remains $1,000.
Current per-pay-period elections roll over
If you contributed to the HSA in 2024, your per-pay-period election will roll over to 2025. However, lump-sum elections based on specific payroll dates will not roll over; you’ll need to reenter those in the Adobe benefits enrollment site.
Use it or grow it
You can use your HSA at any time for qualified medical expenses, or you can use it as a way to save for your future. There’s no use-it-or-lose-it rule, so your account balance continues to grow tax-free from year to year. And you can invest your funds once you reach a balance of $1,000.
Your HSA is yours to keep
If you elect a medical plan that is not eligible for HSA contributions for 2025—such as the Aetna HealthSelect EPO or Kaiser HMO—you will still be able to use the funds for your medical, dental, and vision expenses, but you will no longer be able to make contributions to your HSA.
Health Care Flexible Spending Account (FSA)
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In 2025, the maximum amount you can contribute to your Health Care FSA is increasing to $3,300.
FSA administration change
In 2025, the FSA administrator will change from TRI-AD to HealthEquity, the same company that administers our HSAs. Be on the lookout for detailed communications about the transition process.
New FSA claim deadline
You have until March 31, 2025, to submit 2024 reimbursement claims to TRI-AD. This deadline is two months earlier than in previous years.
Current elections roll over
If you participate in the Health Care FSA in 2024, your election will roll over for 2025. However, it’s important to review your contributions to make sure they are in line with your current needs.
Use it or lose it
Remember to use the money in your FSA by the end of the calendar year, because you’ll forfeit what you don’t use.
Learn more about the Health Care FSA.
Dependent Care Flexible Spending Account (FSA)
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You can contribute up to $5,000 to the Dependent Care FSA.
FSA administration change
In 2025, the FSA administrator will change from TRI-AD to HealthEquity, the same company that administers our HSAs. Be on the lookout for detailed communications about the transition process.
New FSA claim deadline
You have until March 31, 2025, to submit 2024 reimbursement claims to TRI-AD. This deadline is two months earlier than in previous years.
Current elections roll over
If you participate in the Dependent Care FSA in 2024, your election will roll over for 2025. However, it’s important to review your contributions to make sure they are in line with your needs for 2025.
Confirm eligibility
Be sure to check that your dependents meet eligibility requirements. For example, your child must be under age 13 for care to be reimbursable.
Adobe gift contribution
Adobe will contribute $1,200 to your Dependent Care FSA. If you wish to receive the Adobe contribution and not add any funds of your own, you must enroll in the Dependent Care FSA and enter $0 for your contribution amount. If you would like to contribute your own funds to your account, don’t forget about Adobe’s contribution. For example, to reach a total contribution of $5,000, enter $3,800 for your contribution amount, and Adobe will add the remaining $1,200.
Use it or lose it
Remember to use the money in your FSA by the end of the calendar year, because you’ll forfeit what you don’t use.
Learn more about the Dependent Care FSA.
Long-term care insurance
During Open Enrollment this year, you can enroll in voluntary long-term care (LTC) insurance directly through Trustmark. This special enrollment opportunity allows you to elect coverage of up to $150,000 with no medical questions asked. LTC provides benefits for costs associated with long-term care services not covered by health insurance, disability, or Medicare.
Future special enrollment periods may be offered, subject to medical underwriting. Visit the LTC enrollment site to get more information, to view the on-demand webinar, and to enroll.
Trustmark will make deductions directly from your bank account rather than through Adobe payroll. You can continue to receive their benefits with a consistent premium even after leaving Adobe.
Backup care
Adobe partners with Bright Horizons to help Adobe families find the right ongoing and temporary child and adult care. This includes help finding backup care in a pinch when your regular care arrangements fall through.
Adobe is aligning our program to more closely match the actual usage by employees and market trends. In 2025, you can use up to 15 days of backup care, five of which can be used for out-of-network providers. To keep pace with rising industry costs, the copayments will increase to $30 per day for in-center care and $8 per hour for in-home care.
If you need ongoing support, you can access the family concierge to help you build care plans or navigate family resources.
Selecting a medical plan
Learn about the new Aetna HealthSelect EPO and how it compares to your other medical plan options.