Annual Benefits Enrollment
Review what’s changing for 2027 and make sure you have the coverage you need. Remember, health savings account (HSA) and flexible spending account (FSA) contributions do not automatically carry over and must be elected each year to participate.
After Annual Benefits Enrollment ends, you can’t make changes to your 2027 benefits unless you have a Qualified Event or special enrollment event. Refer to the Benefits Book for details.
Explore your 2027 benefit options
Learn what’s new for 2027 and explore plan features in the 2027 Benefits Enrollment Guide (PDF).
Find your personalized plan options and rates in Workday.
Want to explore plan options and rates before you enroll? ALEX® can help you compare coverage options, estimate rates and out-of-pocket costs, and understand how different plans may fit your needs.
If you live in Hawaii, outside the U.S., or are a Flexible Employee or Intern, view your plan details below:
Resources to help you compare and choose
Get answers to your medical plan questions from Included Health, your personal health care assistant
With Included Health, you have a dedicated care team ready to answer questions about your 2027 medical plan options. Whether you’re wondering if your doctor is in network or you want to learn more about how the plans work, Included Health can help.
And they’re available 24/7! Call 1-833-200-7683, visit www.includedhealth.com/WF, or connect via the Included Health mobile app.
Compare plan options, rates, out-of-pocket costs, and coverage with ALEX®, your virtual benefits counselor.
ALEX® is available to help you make informed decisions about your benefits, so you can make sure you have the coverage you need. Use ALEX® to:
- Compare your 2027 medical plan options side by side
- Review estimated rates and out-of-pocket costs
- Explore other Wells Fargo benefits available to you
Enroll by Friday, November 13, at 11:59 p.m. Central Time
Enroll in Workday Monday, October 26, through Friday, November 13, 2026.
Remember, health savings account (HSA) and flexible spending account (FSA) contributions do not automatically carry over and must be elected each year to participate.
Tobacco user status will carry over from 2026. If your tobacco user status, or your spouse’s or domestic partner’s tobacco user status has changed, you’ll need to update the tobacco use status in Workday during Annual Benefits Enrollment.
After Annual Benefits Enrollment ends, no changes are permitted to your 2027 benefits unless you have a Qualified Event or special enrollment event. (For more information, please review the Benefits Book.)
When making your benefit elections in Workday, you’re responsible for ensuring your before- and after-tax pay is sufficient to cover all payroll deductions for your employee benefit elections.
Add eligible dependents:
Before you enroll, you must first add any new dependents in Workday. Adding a dependent to your dependent list in Workday doesn’t enroll them in coverage, but it allows you to add them to coverage as you’re making your elections.
- Sign on to Workday. (When you sign on from Teamworks at Home, you’ll be prompted to authenticate. Follow the on-screen instructions.) On the Workday homepage, select Personal on the left-hand side navigation menu, select the Pay and U.S. Benefits app, select Benefits, and select Dependents.
- Review your list of dependents. Add any new dependents you want covered in 2027. Don’t duplicate any dependents who are already listed. Any dependents you enroll or reenroll must be eligible for coverage.
- When you enroll or add dependents to a Wells Fargo-sponsored medical, dental, or vision plan, you’ll receive a personalized packet from Alight containing important information about the documents you must submit to verify your dependent’s eligibility. If you don’t complete the required steps within 60 days, coverage for unverified or ineligible dependents will terminate (coverage may be terminated retroactively). Required documents may include:
- Government-issued marriage certificate or Notarized Affidavit of Common Law Marriage
- Notarized Affidavit of Domestic Partnership or government-issued Certificate of Civil Union Partnership
- Birth certificate of your natural-born or adopted children
- Documentation for children for whom you and your spouse or domestic partner are legal guardians, custodians, or foster parents
- Physician's certification or proof of tax dependent status for enrollment of incapacitated children
Refer to the Benefits Book for details on dependent eligibility and verification.
Enroll in benefits (Monday, October 26, through Friday, November 13, 2026, at 11:59 p.m. Central Time):
- Sign on to Workday. (When you sign on from Teamworks at Home, you’ll be prompted to authenticate. Follow the on-screen instructions.) On the Workday homepage, select Personal on the left-hand side navigation menu, select the Pay and U.S. Benefits app, select Benefits, then find Benefit Event: Annual Benefits Enrollment under Needs Attention, and select Enroll.
- Make your benefit elections. You can elect or waive coverage for each plan, then follow the on-screen instructions to save your elections. If applicable, starting Monday, October 26, you can also update your 2027 tobacco user status by answering the Tobacco Use question.
- Review your elections carefully. Before submitting your elections for each plan, confirm you’ve selected the eligible dependents you want to cover. When you’re ready, click Review and Sign, accept the terms of the electronic signature, and then click Submit.
- Save your 2027 Benefits Statement. After submitting your elections, you can save or print your 2027 Benefits Statement. You can also view your 2027 elections in the Archive of your Workday inbox. Note: The Benefits Statement is only mailed to employees who are on a leave of absence or displaced.
If you aren’t ready to complete your enrollment, you can select Save for Later. However, none of your benefit changes are applied until you return and click Submit to complete your enrollment. If you don’t click Submit by Friday, November 13, at 11:59 p.m. Central Time, your changes are lost when Annual Benefits Enrollment closes.
If you need to make changes after submitting your elections and before the Friday, November 13, deadline, go to the Workday homepage and select Personal on the left-hand side navigation menu, select the Pay and U.S. Benefits app, select Benefits, find Benefit Event: Annual Benefits Enrollment under Needs Attention, and select Edit to reopen your enrollment.
For enrollment support:
If you need help enrolling in your benefits from Monday, October 26, through Friday, November 13, contact the Wells Fargo Annual Benefits Enrollment Call Center at 1-877-HRWELLS (1-877-479-3557), option 7, 3. Representatives are available Monday through Friday, from 7:00 a.m. – 7:00 p.m. Central Time. All relay service calls are accepted, including 711.
Call volume is heavy throughout Annual Benefits Enrollment. You’ll likely receive a faster response if you call early in the enrollment period.
For benefits questions:
Visit includedhealth.com/wf or call 1-833-200-7683.
For technical assistance:
Call 1-877-590-9000.
Resources and legal notices:
- Included Health
- ALEX®
- Benefits Book
- Optum Engage
- Important Benefit Plan Information
- Notice of HIPAA Privacy Rights (PDF)
The information in this guide provides a general summary of certain employee benefits sponsored or made available to you by Wells Fargo & Company. The employee benefit plans are maintained pursuant to and governed by official plan documents, which may consist of plan documents, Summary Plan Descriptions (SPDs), insurance policies, and certificates of coverage (collectively, the “plan documents”). In the case of a discrepancy between the information presented herein and the official plan documents, the official plan documents will control. If there are any errors or omissions in such materials, Wells Fargo & Company, the plan administrator, or their authorized designees reserve the right to correct such errors or omissions. For a more detailed summary of the employee benefit plans, see the applicable SPDs and certificates of coverage (for fully insured plans). SPDs are found on HR Services & Support. SPDs for the 2027 plan year will be issued early in 2027.
Health and wellness activities are completely voluntary. These activities are not a substitute for or intended to provide medical care or treatment and do not constitute individual medical advice or care. You should discuss specific questions about your individual health care with your personal health care providers.
*A health savings account is an individually owned account. It’s separate from the HSA Plan. It’s not part of any employee benefit plan sponsored or maintained by Wells Fargo & Company or any of its subsidiaries or affiliates, and it’s not subject to the Employee Retirement Income Security Act of 1974, as amended (ERISA). Tax references are at the federal level; state taxes may apply.
Wells Fargo & Company reserves the unilateral right to amend, modify, or terminate any of its benefit plans (or benefit plan options), programs, policies, or practices at any time, for any reason, with or without notice. Any such amendment, modification, or termination may apply to both current and future participants and their dependents and beneficiaries.
Eligibility for or participation in Wells Fargo & Company-sponsored plans does not constitute a contract or guarantee of employment with Wells Fargo & Company or its subsidiaries or affiliates.
Published October 27, 2026