Open Enrollment

Here are the changes we are making for 2026.

NEW! Health Savings Account Employer Contribution Increase

We’re excited to share some great news! To help ease the impact of rising healthcare costs, the company is boosting its annual contribution to your Health Savings Account (HSA) under the UHC HDHP Plan B.

• Individual coverage: increasing from $800 to $850
• Family coverage: increasing from $1,600 to $1,700

This enhanced contribution directly lowers your out-of-pocket costs and gives you more funds to put toward your healthcare expenses. It’s one of the key ways we’re continuing to invest in your health and financial well-being in 2026.

NEW! UHC Rewards Replacing UHC Rally Program

We’re excited to announce UHC Rewards, your new and improved wellness program, now included on all UnitedHealthcare (UHC) plans at no extra cost. Earn up to $200 by completing easy, personal health activities, like walking, sleeping, getting your annual check-up, and more. UHC Rewards replaces the current Rally program, offering more ways to earn and more power to choose what works best for you.

Medical Rate Increases

For 2026, your benefit coverage will remain the same, and there are no changes to the plans that are offered. While premiums will increase, the adjustment is smaller than last year’s and remains moderate compared to the rising cost of healthcare nationwide. We’ve made a concerted effort to keep this increase as minimal as possible while continuing to provide you with high-quality, comprehensive healthcare options.

Medical Plan Deductible Increase

The annual deductible for UHC HDHP Plan B will increase from $1,650 to $1,700 to comply with IRS regulations. All other deductibles for UHC medical plans will remain the same.

2026 Flexible Spending Account (FSA) Limit Increase

If you want to participate in an FSA, it is your responsibility to complete your benefits elections by the November 17 deadline. You must enroll in Health Care and Dependent Care FSAs each year. The limits are increasing for 2026.

• Health Care FSA: The maximum IRS limit will increase to $3,400.
• Dependent Care FSA*: The maximum IRS limit will increase to $7,500.

*Important Note About Dependent Care FSA Contributions: The IRS requires all Dependent Care FSAs to pass annual non-discrimination testing to ensure the plan does not disproportionately favor Highly Compensated Employees (HCEs), as defined by the IRS. If the plan does not pass this testing, contributions for HCEs may be reduced mid-year to comply with federal regulations. While you may elect up to the maximum annual limit during Open Enrollment ($7,500 for 2026), please be aware that your final allowable contribution may be adjusted if the plan fails testing.

2026 Health Savings Account (HSA) Limit Increase

The maximum IRS limit for contributing to an HSA will increase to $4,400 per individual and $8,750 per family.