Use the Medical Expense Estimator to compare your 2025 medical plan options, your potential out-of-pocket costs and potential tax savings using a Health Savings Account (HSA) or Healthcare Flexible Spending Account (HCFSA).
2025 Annual Enrollment: October 28 – November 8
Annual Enrollment for your 2025 benefits begins October 28 and ends November 8, 2024, at 11:59 p.m. Central Time. We encourage you to take time to plan, prepare and enroll for 2025 with our digital decision support and enrollment tools.
Take action
Get started with your Annual Enrollment checklist below.
Take the checklist with you.
Review your benefits
- Explore your benefit options and see what’s changing for 2025. Summaries of benefits and coverage for your 2025 medical plan options are available on the Forms and documents page.
- Check your current elections on enroll.stryker.com. To view your current benefit elections, click the Your Benefits Summary button under Quick Links.
- Consider your 2025 coverage needs. Will your needs change in 2025? Or are you ready to take a fresh look at your options? It’s easy to compare medical plan options with the 2025 Medical Expense Estimator tool.
Prepare to enroll
- Locate dependent information. Before you enroll, gather Social Security numbers and other dependent certification documents for any newly added dependents.
- Double check your beneficiaries. Make sure the right person receives your life insurance and other death benefits if the unexpected happens. See “Are your beneficiaries up to date?” below for instructions.
- Confirm your address and phone number in Workday. Make sure your Annual Enrollment materials are sent to the correct address.
Choose your benefits
- Make your elections on enroll.stryker.com between October 28, 2024, and November 8, 2024, at 11:59 p.m. Central Time. While enrolling, make sure your dependents are enrolled in the correct plans. Once you have completed your enrollment, be sure to print or save a copy of your confirmation statement.
- Take action to:
- Change your medical, dental, vision or supplemental health coverage for next year.
- Contribute to a Health Savings Account (HSA) or Flexible Spending Account (FSA) in 2025. Your current HSA or FSA payroll deduction will not roll over to 2025.
- Review and update your Unum life insurance elections and beneficiaries.
- Complete the Tobacco Use Affidavit, which will determine whether you will pay the annual $600 Tobacco Use Surcharge. If you enroll in one of Stryker’s medical plans, you must complete the Tobacco Use Affidavit every year indicating the tobacco use status for you and your covered spouse/domestic partner (if applicable).
Provide documentation (if applicable)
- Provide proof of dependent status for any newly added dependent(s) by November 15, 2024. If you do not, your dependent will be removed and will not receive coverage for the 2025 plan year. Remember, unless your covered children have a qualifying disability, they may only be covered until age 26 by the medical, dental, vision, supplemental health and child life insurance plans.
- Complete the Evidence of Insurability (EOI) for your supplemental life insurance by the deadline you receive from Unum, our life and disability provider, if requested. Unum will send information regarding how to complete the EOI process to your Stryker email address in January.
Remember, this is your one chance to make changes.
You can only change your 2025 benefits after Annual Enrollment if you have a qualifying life event. Keep in mind, typically you can only make changes directly related to the life event (e.g., adding a child in the event of a birth). For more details, see the Summary Plan Description (SPD).
What’s changing
Each year, we carefully review our benefits to ensure our offerings are still valuable, affordable and competitive.
As healthcare costs continue to rise, we look for ways to manage these increases for both Stryker and our employees. Amidst these rising expenses, Stryker continues to take on most of the increases to help your monthly healthcare costs remain as manageable as possible. For 2025, your benefits and what you pay for coverage continue to remain competitive and flexible to support a wide variety of needs.
As a consumer of services and programs to support your health, we ask that you be thoughtful about your choices, too. When you enroll—and also when you need care—consider things like where you go to receive care, the provider you choose and keeping up with preventive visits and screenings. All these things help play a role in managing healthcare costs and more importantly, the overall health and quality of care for you and your family.
For 2025, most of your benefits will stay the same, but here are a few changes to be aware of.
| Your cost for coverage |
For the medical plans: As healthcare costs continue to rise, both your costs and Stryker's costs for medical coverage will increase in 2025. Stryker will continue to pay more than 70% of the cost for most plans. For all other plans: Your monthly cost of coverage will not change in 2025, unless you have a salary change or move to a new age range for supplemental life insurance and critical illness benefits. You can find your 2025 monthly coverage costs in the 2025 Benefits at a Glance. You can also find costs on the Benefit Enrollment Site when you enroll. Anyone enrolled in a UHC medical plan in 2025 will receive new ID cards from UHC. |
| Contribution limits | The Internal Revenue Service (IRS) has increased the contribution limits for the Health Savings Account (HSA) and the Healthcare Flexible Spending Account (FSA). For the HSA, the combined amount you and Stryker can contribute in 2025 will be:
The 2025 Healthcare FSA limit will be $3,200 and the Day Care FSA limit will remain at $5,000. |
| Medical plan deductibles | The following in-network plan deductibles will increase for 2025: Choice PPO Plan/Out-of-Area Plan:
Value PPO Plan:
Premium HSA Plan:
Amounts shown here are in-network. For out-of-network deductibles, see the 2025 Benefits at a Glance. |
| UHC prescription drug coverage |
|
| Orthodontia coverage now available for adults | The dental plan orthodontia benefit will be available starting in 2025 for all covered members regardless of age, with a lifetime maximum of up to $2,000 per member. |
| Progressive lenses copay | The vision plan copay for progressive lenses will reduce from $90 to $75 starting in 2025, so you’ll pay less for progressive lenses that can help you see both up close and far away. |
Personalized healthcare support with Included Health
If you are enrolled in one of Stryker’s medical plans, Included Health can help you and your family by providing:
- 24/7 access to expert medical advice
- Remote second medical opinions from leading specialists
- Assistance with claims, appeals, personalized cost estimates and finding high-quality providers for UHC plan members
LGBTQ+ and Black Health can assist all benefit eligible employees and their families in connecting with high-quality, culturally-inclusive care.
Included Health support is available at no cost to employees and dependents! To activate your account, visit includedhealth.com/stryker or call 855 431 5551.
How to enroll
Simply log on to enroll.stryker.com using your Stryker email address and network password. You can enroll from any computer or mobile device with an internet connection.
Get help
If you have forgotten your Stryker network password, contact the IT Service Desk.
Remember to:
- Use a compatible internet browser (the latest version of Google Chrome, Firefox, Microsoft Edge or Safari).
- Clear your browser cache. Open the settings in your internet browser and clear your history and website data. Then, close all browser windows and log in again.
If you need other help, contact the myHR Team at 877 795 2002.
This is your once-a-year chance to make changes
Keep in mind, you cannot make changes outside of Annual Enrollment unless you experience a qualified life event, so consider your options and confirm your selections carefully when you enroll. For more information about qualifying life events, visit the Summary Plan Description or contact the myHR Team for more information.
Decision support
Log in to review your current benefit elections and choose your 2025 coverage.
Find important Annual Enrollment information, including what’s changing for 2025.
Benefit options
2025 UHC plan comparison chart
This chart shows how your costs are covered in each plan option.
| In-network benefit1 | UHC Choice PPO Plan |
UHC Value PPO Plan |
UHC Premium HSA Plan |
UHC Basic HSA Plan |
|---|---|---|---|---|
| Monthly costs | ||||
| Employee only | $161 | $141 | $123 | $66 |
| Employee + 1 | $315 | $274 | $230 | $88 |
| Family | $494 | $433 | $366 | $120 |
| HSA contribution from Stryker2 3 | ||||
| Employee only | None | None | $600 | $300 |
| Employee + 1 | None | None | $1,200 | $600 |
| Family | None | None | $1,200 | $600 |
| Deductible4 | ||||
| Employee only | $450 | $850 | $1,800 | $2,500 |
| Employee + 1 | $900 | $1,700 | $3,600 | $5,000 |
| Family | $1,350 | $2,550 | $3,600 | $5,000 |
| Out-of-pocket maximum | ||||
| Employee only | $2,950 | $4,250 | $5,000 | $6,450 |
| Employee + 1 | $5,900 | $8,500 | $10,000 | $12,900 |
| Family | $6,250 | $9,250 | $10,000 | $12,900 |
| Preventive care | Covered 100% | Covered 100% | Covered 100% | Covered 100% |
| Copay | ||||
| PCP | $25 | $25 | None – subject to deductible and coinsurance | None – subject to deductible and coinsurance |
| Specialist | $40 | $40 | None – subject to deductible and coinsurance | None – subject to deductible and coinsurance |
| ER | $150 | $150 | None – subject to deductible and coinsurance | None – subject to deductible and coinsurance |
| Coinsurance | Deductible, then 20% | Deductible, then 20% | Deductible, then 20% | Deductible, then 30% |
| Rx-retail (30-day) | ||||
| Tier 1 | $10 | $10 | Deductible, then 20% | Deductible, then 30% |
| Tier 2 | $25 | $25 | Deductible, then 20% | Deductible, then 30% |
| Tier 3 | $50 | $50 | Deductible, then 20% | Deductible, then 30% |
| Rx-retail (90-day) | ||||
| Tier 1 | $30 | $30 | Deductible, then 20% | Deductible, then 30% |
| Tier 2 | $75 | $75 | Deductible, then 20% | Deductible, then 30% |
| Tier 3 | $150 | $150 | Deductible, then 20% | Deductible, then 30% |
| Rx-mail order (90-day) | ||||
| Tier 1 | $25 | $25 | Deductible, then 20% | Deductible, then 30% |
| Tier 2 | $62.50 | $62.50 | Deductible, then 20% | Deductible, then 30% |
| Tier 3 | $125 | $125 | Deductible, then 20% | Deductible, then 30% |
1The information shown here assumes in-network care and services. For more detailed plan information and out-of-network costs, view the 2025 Benefits at a Glance.
2The HSA contribution from Stryker is made for all eligible employees enrolled in the plan for 2025.
3Direct temporary employees and interns are not eligible for Stryker’s HSA funding but are eligible to elect and contribute their own funds to the account.
4In the HSA plans, the total family deductible must be met before the plan covers any expenses. No one family member’s expenses are capped at an individual deductible amount.
Additional medical plan options
For more information, see the Medical page.
| Plan name | Only for | Administered by |
|---|---|---|
| BCBSAL Preferred Provider Organization (PPO) Plan | Alabama employees | Blue Cross and Blue Shield of Alabama |
| Kaiser Health Maintenance Organization (HMO) Plan | California employees | Kaiser Permanente |
| Hawaii Medical Service Association (HMSA) Plan | Hawaii employees | Hawaii Medical Service Association |
| Cigna International Expatriate Benefits Plan | Employees on international assignment for six months or more | Cigna |
| Out-of-Area Plan | Employees who live far away from a satisfactory PPO or HMO network | UnitedHealthcare |
Learn more
The 2025 Benefits at a Glance gives you an easy way to explore your options. Take a look to see what’s available.
You can also see more on this site about:
Are your beneficiaries up to date?
Annual Enrollment is the perfect time to check and confirm your beneficiary information. Here’s how:
Life insurance and critical illness insurance
Look for the quick links on the home page, click Your Beneficiaries and follow the prompts. Remember to click Done when you are finished.
401(k)
vanguard.com/retirementplans (plan number 090081)
Once you log in, click My profile to manage your beneficiaries.
HSA
Legal notices
For more information, review your 2025 Annual Enrollment legal notices and disclosures, which include the following:
- Equal Opportunity and Affirmative Action Notice
- Summary Annual Report (SAR): Stryker Corporation Welfare Benefits Plan
- Notice Regarding Wellness Program
- Notice of Your Right to Request a Special Election Opportunity
- Women’s Health and Cancer Rights Act of 1998 Notice
- Notice of Creditable Status of Your Prescription Drug Coverage
- Notice: Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)