What’s changing for 2025?

WHAT YOU NEED TO KNOW

At PayPal, our commitment to your physical, financial, and emotional wellbeing guides everything we do with our benefit programs. Here's a look at what's new for 2025. 

Medical and pharmacy plan features

Equip

Meritain Copay (PPO) and CDHP and Kaiser Permanente (HMO) members have access to Equip, a virtual program that provides treatment for eating disorders, at no additional cost. Register on or after January 1 to get access to a five-person care team that includes a therapist, dietician, medical provider, peer mentor, and family mentor.

Nutritional counseling

Meritain Copay (PPO) and CDHP members will have access to nutritional counseling as preventive care at no cost. Members will be able to meet with a provider (e.g., nutritionist, registered dietician) up to six times a year for support. If you need help getting started, contact Accolade at 866-406-1338.

Prior authorization process for GLP-1 medications

Our Meritain Copay (PPO) and CDHP plans cover certain GLP-1 medications that are FDA approved for type 2 diabetes. The plans do not cover GLP-1s that are FDA approved for weight loss.

In 2025, CVS/Caremark's prior authorization process for GLP-1 medications will require a type 2 diabetes diagnosis for coverage. If you have a documented history of type 2 diabetes, your prescription will continue to be covered. Employees without a documented history of type 2 diabetes will need to obtain prior authorization for GLP-1 medications through their provider.

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Medical contributions, affordability and dependents

New medical payroll contribution structure

We have moved to an industry-standard medical payroll contribution structure that is based on salary. This structure maintains our commitments to affordability and ongoing sustainability. Some employees will see a decrease while others may see an increase in their payroll contribution.

View 2025 medical payroll contribution rates.

More affordable Consumer Driven Health Plan (CDHP)

PayPal continues to offer a lower-cost, more affordable plan with the Meritain CDHP. To keep the plan affordable, the contribution rate did not increase in 2025, remaining at 2024 rates.

Dependent verification in 2025

If you enrolled dependents during Annual Enrollment, they must meet the dependent eligibility requirements.

In January 2025, separate from Annual Enrollment, we will reach out to work with those employees whose dependents may require further verification to meet eligibility requirements.

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Spending accounts and legal coverage

Flexible Spending Account (FSA) enrollment

To participate in a Health Care, Limited Purpose, or Dependent Care FSA, you had to enroll during Annual Enrollment. Your pretax contributions can be used to pay for eligible expenses, such as doctors’ visits, prescription drugs, child care, and more. Remember, if you don’t use your elected contribution amount by the end of the calendar year, you forfeit your unused funds.

You must be enrolled in the Health Care or Limited Purpose FSA for the 2025 plan year in order to receive any of your eligible 2024 FSA carryover funds up to the IRS maximum of $640.

  • Health Care FSA eligible expenses include, but are not limited to, copays, prescription and non-prescription drugs, and prescription eyeglasses. The maximum contribution for 2025 is $3,300.
  • Dependent Care FSA eligible expenses include dependent (up to age 13) and elder care expenses up to $5,000. In addition, non-exempt hourly employees enrolled in the Dependent Care FSA receive an additional 15% from PayPal, up to $652 per year, deposited into their account. Be sure to reassess your dependent care needs if you are returning to the office.
  • Limited Purpose FSA eligible expenses include vision and dental expenses before you've met your insurance deductible.
  • If you were enrolled in a health care spending account during the transition to HealthEquity, your carryover amounts from 2023 will expire on December 31, 2024. So use your 2024 funds and file claims before then, and be sure to reenroll in those accounts if you’d like to continue participating in 2025.

New MetLife legal coverage

Cover your parents, in-laws, and grandparents under the MetLife Plus Parents legal plan option. This plan provides access to legal help from estate planning to elder care matters and identity-theft issues.

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