Your 2026 Benefit Options
Before you enroll in your 2026 benefits between October 23 – November 7, 2025, take time to learn about what's changing so you can choose the best benefits for yourself and your family.
What’s New?
- Discontinuing the $3,300 deductible plan: Due to IRS-mandated increases in deductibles, we've decided to discontinue this offering. If you're currently enrolled in the $3,300 Deductible Plan, you'll receive a message with more information. In the meantime, you can learn more about your available options.
- Medical carrier change in select states: In an effort to ensure we offer the best coverage at the lowest cost, we're switching medical carriers in Arizona, Colorado, Connecticut, and New York. If you live in one of these states, you'll move from Wellmark to UHC effective January 1, 2026.
- Click here for instructions on how to check if your provider is in-network.
- For help finding a new provider, contact TouchCare at 866-486-8242.
- Your cost of coverage: There will be a slight increase in medical plan premiums for 2026 due to rising healthcare costs. See your 2026 rates. Transamerica continues to cover the majority of your medical plan premiums to ensure you have access to high-quality care.
- Contribution limits for tax-advantaged accounts:
- Health Savings Account (HSA):
- $4,400 for individuals
- $8,750 for families
- If you're 55 or older, you can contribute an additional $1,000.
- Health Care Flexible Spending Account (FSA): $3,400 maximum contribution.
- Dependent Care FSA: $7,500 maximum contribution.
- For Wellmark Blue Cross Blue Shield (BCBS) or United Healthcare (UHC): The $4,500 Deductible Plan (with a $9,000 family deductible).
- For Kaiser: The $1,850 Deductible Plan (with a $3,700 family deductible). (Kaiser does not offer the $4,500 Deductible Plan.)
Annual Benefits Enrollment is your once-a-year opportunity to make changes to your benefits. This year, all benefits (other than the HSA and FSAs) that you are currently enrolled in will automatically continue in 2026 if you do not actively change them. You must enroll if you want to elect an HSA or FSA in 2026 – these benefits do not automatically carry over.
Important!
If you're currently enrolled in the $3,300 Deductible Plan, you can choose another medical plan during enrollment, including the $4,500 Deductible Plan, the $1,850 Deductible Plan or the $900 Deductible Plan.
If you're currently enrolled in the $3,300 Deductible Plan and you do not take action between October 23 and November 7, 2026, you and your covered dependents will automatically be enrolled in the following plan for 2026:
What You Need to Do
- Learn about all your 2026 benefits by reviewing this Benefits Decision Guide.
- Confirm your coverage. You must enroll if you want an FSA or HSA in 2026 – these elections do not automatically carry over. You do not need to actively elect your other benefits if you want to continue them in 2026.
- Enroll for your benefits between October 23 and November 7, 2025 on the Aptia365 website. Be sure to carefully review and save a summary of your elections and enrolled dependents for your records (you will be prompted to do this directly after submitting them). Your coverage will begin on January 1, 2026. After November 7, you cannot make a new election (for 2026 benefits) until the next Annual Benefits Enrollment period unless you have a qualifying change in status, such as marriage or the birth of a child. Note: If enrolling in the Wellmark Narrow Network Plan (Iowa residents only), you need to designate a primary care physician (PCP). This can be done at myWellmark.com after January 1, 2026. If you are a female and would like to designate two PCPs, one being an OBGYN, you'll need to call Wellmark at the phone number on your card to add the second PCP.
- If you have any questions on your 2026 benefits, contact the Aptia365 dedicated Transamerica Benefits Center at 866-891-4274. Benefits counselors are available from 6 a.m. to 8 p.m. CT Monday through Friday. During Annual Benefits Enrollment, extended hours will be available: Monday through Friday, 6 a.m. to 8 p.m. CT, and 9 a.m. to 1 p.m. CT on Saturdays.
- If you are adding a new dependent to medical, dental or vision, you will need to submit dependent verification documentation to Aptia within 31 days from the date you make your elections in order for your dependent's elections to be processed. If you do not submit verification for your dependent timely, your dependent will be removed from your coverage. Documents can be submitted in the following ways:
- Upload to the Aptia365 website
- By mail: Mail copies of documentation to:
Aptia
PO Box 9035
Brentwood, NY 11717 It may take up to 10 business days to process your dependent verification after documentation has been received.
Watch your mail for ID cards if you make a new medical plan election.
If you enroll in new dental and/or vision coverage, you can print your ID card on the Delta Dental of Iowa website at deltadentalia.com or VSP at vsp.com after you register.
If you newly enroll in a Health Savings Account (HSA) or Flexible Spending Account (FSA) for 2026, you will receive a debit card and account information from Transamerica. You will only receive one debit card that you can use for any of the accounts, including commuter benefits.