Annual Benefits Enrollment opens Oct. 17 and closes Nov. 7 at 7 p.m. Central time. Use these resources to help you and your family make benefits decisions.As we prepare for the 2026 Annual Benefits Enrollment period, we want to share important updates to our benefits offerings. These changes are a part of our ongoing commitment to maintain a competitive, sustainable and supportive benefits program.
On Jan. 1, 2026, the following benefits changes will go into effect:
Premiums for medical and dental plans will increase.
- Due to the impact of medical inflation, premiums in our medical plan will increase by up to $26/month, depending on your coverage tier.
- Dental premiums will increase by an average of $2/month depending on your coverage tier.
Deductibles and out-of-pocket maximums will increase.
- Deductibles will increase to $1,750 for individuals and $3,500 for family coverage under the HDHP plan, and to $3,500 for individuals and $7,000 for family coverage under the HDHP base plan.
- Out-of-pocket maximums will increase to $7,000 for individuals and $14,000 for family coverage under the HDHP Base plan, and to $4,500 for individuals and $9,000 for family coverage under the HDHP plan.
You will have expanded vision coverage at the same affordable premium.
- All employees enrolled in the vision plan will have expanded coverage (100%) for ultraviolet lenses and an increased allowance for eyeglass frames and contact lenses.
Vendor changes will provide you with cost savings and convenience.
- Life and long-term disability insurance will transition from The Hartford to MetLife. Life insurance premiums will decrease by an average of 17% and long-term disability premiums by an average of 5%.
- Dependent life insurance coverage will increase, but rates will remain the same.
- Administration of our Health Savings Account (HSA) will transition from Bank of America to Fidelity. You will be able to conveniently manage your HSA, Savings Plan and any equity award balances in one place. The annual HSA contribution limit will increase:
- You Only: $4,300 → $4,400
- You+: $8,550 → $8,750
You will have access to additional financial protection through new optional benefits.
- New coverage options will be available through MetLife. Designed to provide affordable protection for unexpected events, these benefits are offered at lower premiums than market rates, with no pre-existing condition exclusions:
- Hospital indemnity insurance
- Accident insurance
- Critical illness insurance
- Legal plans
- Identity theft protection