Open Enrollment Resources

For medical coverage, you have three medical plan options available for 2026: the Choice PPO, the Value PPO, and the Choice HSA.

Discontinued Plans

The Value HRA, Choice HRA, and Value HSA medical plans are being discontinued. If you are enrolled in one of these plans, and do not make a new election during Open Enrollment, you will automatically be enrolled in one of the three remaining plans as follows:

• Choice HRA → Value PPO
• Value HRA → Value PPO
• Value HSA → Choice HSA

Spend Your HRA Funds by Dec. 31

If you have a health reimbursement account (HRA), you have until December 31, 2025 to spend any remaining funds or they will be forfeited.

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You can get more details about your medical insurance plan options on the Medical Coverage page.

If you and your covered spouse participated in our wellness program and completed the required activities in 2025, you’re eligible for discounted medical premiums in 2026. You can complete the activities again next year for a discount in 2027.

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Visit the Wellness & Health Rewards Program page for more information.

Our prescription drug plan will cover some medications differently. In addition to a new formulary (list of covered medications), you’ll see the following plan changes starting January 1, 2026:

• 100% coverage for preventive drugs will be limited to generic medications only.
  • Insulin and diabetic supplies remain covered at 100%.
  • Brand-name preventive drugs will still be covered, but no longer at 100%. They will be subject to the plan’s deductible, coinsurance, or copay.
• Review the new formulary and check to see how your medication is covered.
• Certain specialty medications will require enrollment through the SaveOnSP Copay Assistance Program.
• Payments made on behalf of copay assistance programs will no longer count toward your deductible and out-of-pocket maximum.

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You can get more details about prescription drug coverage on the Pharmacy Benefits page.

You have a special chance to secure your income protection benefits during Open Enrollment, even if you previously waived coverage or were denied. You can:

• Enroll in the short-term disability (STD) and long-term disability (LTD) buy-up plans with no evidence of insurability (EOI).
• Enroll in or increase supplemental life insurance coverage for yourself and your spouse, up to the guaranteed issue amount with no health questions required.

Take advantage of this limited-time opportunity to protect your income and your family’s financial security.

Learn More

You can get more information about disability coverage on the Disability page, and more about supplemental life on the Life and AD&D page.

We are excited to introduce a new option for preventive care made easy! Starting in early 2026, you and your spouse or adult dependents will have a convenient new way to take charge of your health. This program will offer a simple, private, and flexible way to complete a preventive care checkup right at home on your schedule. Look for more information in 2026!