Benefits Changes for 2026

What's Changing

We know you may have questions about benefits, premiums, or what’s changing this year. We’ve put together this Q&A to help clarify key details and support you in making informed choices. 

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2026 Insurance Premiums for Health, Dental, and Vision

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Health Insurance:

• $0 Cost Doctor on Demand Virtual Visits 

• Deductible/Out-of-pocket Maximum (OOPM) Changes:

  • HDHP Plan​

    • Single: Deductible/OOPM change from $3,300 to $3,400 (+$100)​

  • PPO Plan ​

    • Single: Deductible from $1,500 to $1700 (+$200), OOPM from $3,000 to $3,400 (+$400)

    • Family: Deductible from $3,000 to $3,200 (+$200), OOPM from $6,000 to $6,400 (+$400)

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Health Savings Account (HSA):

• We’re pleased to announce an enhanced employer contribution for 2026! Employees contributing at least $10 per pay period will receive: 

  • $30/per pay period for Employee Only coverage ($780 annually)

  • $55/per pay period for All Other Coverage Levels ($1,430 annually)

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Medical Flexible Spending Account (FSA) and Limited Purpose Medical FSA:

• IRS limit increased to $3,400

• Carryover increased to $680

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Dependent Care FSA:

• IRS limit increased from $5,000 to $7,500

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Dental Insurance:

• $2,000 Lifetime Maximum for Orthodontics (now separate from annual benefit)

• Adult Orthodontics Coverage now included

• $1,500 Annual Benefit Maximum (now separate from orthodontics)

• CheckUp Plus added

  • Diagnostic and preventive services (e.g. cleanings and exams) no longer count against the annual benefit maximum!

• Delta Dental To Go added

  • Carry over a portion of your unused annual maximums to future benefit periods.

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Domestic Partner Eligibility:

• Coverage has been added to health, dental, vision, and voluntary life insurance. 

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Voluntary Life Insurance:

• Purchase additional life insurance for yourself, your spouse/domestic partner, and child(ren).

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Pet Insurance:

• Customizable coverage options tailored to your pets' specific needs. Coverage is available for dogs, cats, birds, reptiles, and exotic pets