OPEN ENROLLMENT HIGHLIGHTS FOR 2025

At MSCI, we recognize that our company's success depends on your hard work and productivity, and that requires you to be at your personal best—each and every day. We offer a comprehensive and competitive benefits program designed to help ensure your health, wellbeing and financial security so you can be at your best professionally and personally. We strive to provide benefits that empower you to Be Well and Stay Well in all aspects of your life.

Open Enrollment is your time to explore the wide variety of benefits and programs available so you can choose what will best help you and your family live well — physically, financially and emotionally for the year to come.

During a year in which significant health care cost increases and inflation are the norm, we’re pleased to continue providing the same competitive benefits package – and continue to fund approximately 85% of your medical premiums. We are proud to maintain best-in-class plans and funding that remains well-above market trends. While most of our plans remain the same for 2025, please note the following changes:

• While you will see a slight increase to your 2025 medical and dental contributions (approximately 4%), this is well below national averages.
• Due to IRS requirements, the following changes have been made to the UHC Saver PPO:
• The annual in-network deductible will be increased to $1,650 (employee only) and $3,300 (family).
• Increased HSA pre-tax contribution limits (including MSCI contribution) to $4,300 (employee only) and $8,550 (family). No reduction in Employer HSA contributions.
• The Health Care Flexible Spending Account limit was increased to $3,300 for 2025.
• Commuter benefit contribution limits for transit and parking expenses were increased to $325 per month for 2025.
• The 401(k) contribution limit has increased to $23,500 for 2025.

Cost Sharing That Keeps Employees Top-of-Mind

At MSCI, we work hard to control costs by partnering closely with our benefit providers to offer top-notch services at the best value. In addition, MSCI pays the majority of the cost for health care coverage, passing on a smaller percentage to employees. While health care costs and inflation continue to rise, we remain committed to our 85%/15% medical plan cost sharing which is significantly above national averages. To see the 2025 contributions, click the "2025 Employee Rates" link in the right navigation.

Managing costs is a shared responsibility. You can do your part by choosing the right medical coverage for your needs and taking care of your health using the many wellness programs and resources MSCI offers. It’s also important to stay on top of your preventive care and make smart decisions about where to get needed medical care. The decisions we make every day about health care, help us to continue managing future costs.

Increases to Saver PPO Deductible

While your medical plan options remain essentially unchanged for 2025, the in-network annual deductible under the Saver PPO option will be adjusted to align with IRS requirements for this type of plan as follows:

Dental and Vision Plans Remain the Same

For 2025, you'll see:

• No changes to our Delta Dental and EyeMed options, health care vendors, and plan design.
• While you will see an increase to your Delta Dental monthly premium, MSCI continues to fund the same share of your premium.
• No changes to your monthly EyeMed contributions.

We take pride in providing benefits that empower you to Be Well and Stay Well in all aspects of your life. Open Enrollment is a perfect time to reevaluate your coverage options and ensure you and your family are covered physically, emotionally, and financially.

For 2025, annual contribution limits set by the IRS will increase as follows:

You may contribute up to an additional $1,000 if you will be age 55 or older in 2025. You are only eligible for the MSCI HSA contribution if you enroll in the MSCI Saver PPO plan.