Medical plan choices
Adobe offers several medical plans.
Choose the coverage that fits your life
Aetna plans (all states except Hawai‘i)
Kaiser HMO (California and Washington)
HMSA (Hawai‘i)
Opt out of medical coverage
Becoming eligible for Medicare
Choose the coverage that fits your life
Before selecting a medical plan, take some time to learn about the choices Adobe offers, including how your prescriptions are covered.
Find detailed plan comparisons in the 2027 medical plan chart [PDF], and watch this video for tips on choosing a medical plan.
Get help with your choice
Get help comparing medical plans based on your unique needs. Just type your questions for the benefit assistant in the space below.
2027 medical plans at a glance
All Adobe plans provide preventive care, including immunizations, at no cost. The table below highlights some key differences.
$1,000 family
Others: 90% after deductible
$3,500 family
$4,100 family
You’ll see the plans available to you when you log in to the benefits enrollment site. While there, use Ask Emma for personalized medical plan decision support.
Aetna plans (all states except Hawai‘i)
Aetna HealthSelect EPO
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The Aetna HealthSelect exclusive provider organization (EPO) plan is an in-network-only plan. You must use providers in the Aetna Select Network (or Aetna Extended Network in Utah) for services to be covered. There is no coverage for out-of-network care except in an emergency.
Higher paycheck contributions but lower costs for care
With the HealthSelect EPO, you pay more in contributions each pay period, but the plan features fixed copays for prescription drugs and many services without having to meet a deductible first. Services that are subject to coinsurance have a lower deductible than the other Aetna plan options. The plan covers most in-network services at 90% after you meet your deductible.
See your health care rates and the 2027 medical plan chart [PDF] for medical and prescription drug coverage details.
Confirm that your providers participate
If this plan appeals to you, confirm that your doctors are part of the network by visiting the Adobe Aetna microsite or calling Aetna at 800-884-9565. If you’re currently enrolled in an Aetna plan, you should know that about 98% of providers in the Aetna Choice POS II network also participate in the Aetna Select Network (or Aetna Extended Network in Utah).
Health Care FSA (no HSA)
If you enroll in the Aetna HealthSelect EPO plan, you can elect to contribute to a Health Care Flexible Spending Account (FSA) for pretax savings on health care expenses, keeping in mind that funds must be fully used within the calendar year.
If you currently have a Health Savings Account (HSA) and enroll in the HealthSelect EPO, neither you nor Adobe can add funds to your HSA, although the account remains yours to use or invest.
Aetna HealthSave
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The Aetna HealthSave plan covers most in-network services at 90% after you meet your deductible. It offers access to a large network of providers and the option to go out of network at a higher cost. See your health care rates and the 2027 medical plan chart [PDF] for medical and prescription drug details.
This plan’s Health Savings Account (HSA) comes with an Adobe contribution, which you can use for health care expenses or save for the future. You must be HSA-eligible to enroll in this plan.
If you’re enrolled in Medicare or TRICARE, you can enroll in this plan, but without an HSA.
Aetna HealthSave Basic
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The Aetna HealthSave Basic plan has the lowest paycheck contributions, but it has the highest deductibles and out-of-pocket maximums. See your health care rates and the 2027 medical plan chart [PDF] for medical and prescription drug details.
The plan also pays for a smaller share of medical expenses—80% in-network after you meet your deductible—so when you get care, you’ll pay more.
If you’re eligible, you have the option to put money into a Health Savings Account (HSA) with no Adobe contribution.
Kaiser HMO (California and Washington)
If you live in the Kaiser Permanente service area in California or Washington, you can choose the Kaiser HMO plan, which offers convenient, high-quality care, all under one roof.
Your paycheck contributions are higher, but when you get care, you pay copays for most eligible services, and there is no deductible to meet. You must use Kaiser doctors, pharmacies, and facilities, and you may need specialist referrals from your primary care physician.
The payroll contributions for the Kaiser HMO are increasing for 2027. See your health care rates. And check the 2027 medical plan chart [PDF] to review copay changes.
If you enroll in the Kaiser HMO, you can elect to contribute to a Health Care Flexible Spending Account (FSA) for pretax savings on health care expenses, keeping in mind that funds must be fully used within the calendar year.
If you currently have a Health Savings Account (HSA) and enroll in the Kaiser HMO, neither you nor Adobe can add funds to your HSA, although the account remains yours to use or invest.
HMSA (Hawai‘i)
Hawai‘i employees can elect a bundled medical, dental, vision, and prescription plan through Hawaii Medical Service Association (HMSA). HMSA participants can contribute to a Health Care Flexible Spending Account (FSA) for pretax savings on health care expenses. Keep in mind that FSA funds must be fully used within the calendar year, and there is no Adobe contribution.
Contributions for the HMSA plan are increasing in 2027. See your health care rates.
Opt out of medical coverage
If you’re covered by another medical plan (e.g., through your spouse, domestic partner, or parent), you can opt out of Adobe’s medical coverage. Remember, dual coverage does not necessarily mean more coverage. If you plan to use an Adobe Aetna plan as secondary insurance, note that the Adobe plan will not pay a benefit if the primary plan pays a benefit that is equal to or more than the Adobe plan benefit.
Even if you decline medical coverage, you can still enroll in other benefits, including dental and vision. San Francisco and Hawai‘i residents who opt out will be asked to complete additional documentation.
Becoming eligible for Medicare
If you or your spouse or domestic partner is considering Medicare, you can learn more about your options.
New! If you or a family member is approaching Medicare eligibility, contemplating early retirement, or losing medical coverage, you now have access to SmartConnect to help explore medical coverage options through online resources, webinars, and 1:1 appointments with experts in the field. SmartConnect is free to you and available even after you leave Adobe.
What else you should know
Learn about more Adobe benefits so you can be sure your benefits continue to fit your life.