Open Enrollment

November 5th – November 14th

Don’t Miss Your Chance to Enroll or Change Your Benefits

Open Enrollment is your annual opportunity to make changes to your benefits for the upcoming year. The elections you make during Open Enrollment will remain in effect January 1 – December 31, 2026 unless you experience a qualified change in status (such as marriage, birth or adoption of a child, etc.). Open Enrollment will open in November and more information will be shared in late October.

Do I Need to Enroll?

This year, Open Enrollment is passive. For most benefits, you do not need to take action if you do not want to make any changes to your current benefit elections. NOTE: To participate in the HSA or FSAs, you must enroll or re-enroll annually. You must also re-enroll in the Cigna Voluntary Plans for 2026. Your election in these coverages will not rollover.

Take Action!

Everyone must enroll for this year’s Open Enrollment. You need to enroll or decline benefit coverage by the deadline, or you and your family will not have benefits coverage beginning January 1, 2026.

Actions You May Take During Open Enrollment

  • Change your current coverage
  • Enroll in coverage you do not currently have
  • Add or drop a dependent
  • Enroll or change your FSA or HSA election. Please Note: Your elections do not roll over from year to year. To participate, you must enroll or re-enroll annually.
Enroll Now

2026 Benefit Plan Changes Overview

Lifestyle Spending Account

  1. Launching in 2026 for all benefits-eligible employees.
  2. Funds can be used for wellbeing activities (fitness, nutrition, sleep, etc.).

Voluntary Life Insurance Updates

  1. Spouse Life Guaranteed Issue up to $50,000 (was $30,000).
  2. Child Life max coverage $20,000 (was $10,000).
  3. Employees can elect up to the Guaranteed Issue amount without Evidence of Insurability (EOI).

Increased 401(k) Employer Match

  1. Firm will match 50% of contributions, up to 4% of pay.

Dental Plan Enhancements

  1. Both plans now cover sealants at 100% and two fluoride treatments/year for children.
  2. New ID cards issued for all enrollees.

Medical Plan Changes

  1. Infertility coverage added (lifetime max $20,000 per member).
  2. GOLD HDHP/HSA deductible increases to $3,400 employee only / $6,800 other tiers.
  3. Free telehealth visits for UHC members.

Flexible Spending Account (FSA) and Vendor Change

  1. FSAs and Dependent Care FSAs now managed by Lively.
  2. New debit cards will be issued.
  3. 2026 limits:
  4. HSA: $4,400 (employee only) / $8,750 (other tiers)
  5. Healthcare FSA: $3,400
  6. Dependent Care FSA: $7,500

Payroll Updates

  1. 2026 benefit premiums reflected on first paycheck:
  2. Non-Advisors: Jan 2, 2026
  3. Advisors: Jan 15, 2026

 

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