2026 Open Enrollment

For most benefits, no action is required. However, if you want to:

• Contribute to a Health Care FSA or Dependent Care FSA for 2026: You must enroll during open enrollment. Your current FSA elections will not automatically roll over to 2026.
• Add coverage or make changes to your current coverage: Follow the instructions in your Open Enrollment Decision Guide.
• Add or remove dependents from medical, dental and/or vision coverage without a qualifying event (such as marriage, birth or divorce): Make those changes during open enrollment with copies of required dependent documentation through Workday.
• Participate in the wellness rewards program: Opt in no later than November 3, 2025. Your 2025 enrollment will not automatically roll over to 2026. LiveWell Reward$ provides lower out-of-pocket limits (Classic or Premier Plans), and you will receive online cash incentives by completing wellness activities. Log in to umr.com and opt in for the LiveWell Reward$ wellness program between October 1 and November 3, 2025. You must have an active UMR account to enroll in the Wellness Program—if you are adding medical coverage for the first time in 2026, you will need to wait until 2027 open enrollment to enroll in the Wellness Program.
• Redeem program rewards points: The wellness program reward points do not roll over each year. Make sure to cash out any points you earned during 2025 by November 30, 2025, before you lose them.

Read below to learn about 2026 changes and how you can enroll in coverage.

Premiums

Good news! There will be no premium increases for your medical, dental or vision coverage in January 2026.

Premium information for January 2026 is available on the Premiums page or through your campus Human Resources office.

You will also see slight copay increases for certain medical services, including primary care office visits, specialist office visits and ambulance services. For more information, refer to page 5 of your 2026 Open Enrollment Decision Guide.

Health Savings Plan

The IRS-mandated individual deductible will increase from $3,300 to $3,400.

Health Savings Account

2026 contribution limits (set by the IRS):

• Individual: $4,400
• Family: $8,750

If you are enrolled in a Health Savings Account (HSA), available for only those in the Health Savings Plan, the university will contribute $650 individual/$1,200 family to your account.

You can make an additional $1,000 catch-up contribution if you will be age 55 or older by December 31, 2026.

Flexible Spending Account

Enrollment is required to participate in the Healthcare or Dependent Care Flexible Spending Accounts; your 2025 enrollment will not roll forward to 2026.

• Healthcare Flexible Spending Account: Contribute up to $3,300 for eligible medical out-of-pocket expenses.*
• Dependent Care Flexible Spending Account: Contribute up to $7,500 for eligible child or adult dependent care expenses.

Wellness Program

Complete LiveWell Reward$ wellness activities to earn up to 500 total points. No more than 200 points can be earned through preventive screenings and exams, and no more than 100 points can be earned by participating in an ongoing condition care program. The remaining 200 points can be earned by completing wellness action plans such as healthy eating, stress management, financial wellness or back care.

You must opt into the LiveWell Reward$ wellness program annually. Your 2025 enrollment will not roll forward to 2026.

UnitedHealthcare Supplemental Plans

Enhancements to the Critical Illness and Accident Insurance benefits include:

• Critical Illness Insurance: New cancer reoccurrence benefit, skin cancer benefit and a $50- per-covered-child wellness benefit for completing an eligible screening or exam.
• Accident Insurance: Adding common injuries for additional coverage, a caregiver benefit, pet boarding benefit and a $50-per-covered-child wellness benefit for completing an eligible screening or exam.

Visit the UHC Insurance Plans page to consider if any of the offered supplemental plans are good options for you in 2026. As a reminder, open enrollment is the only time you can enroll in a plan outside of your new-hire eligibility period.

Complete your enrollment online through Workday. Watch for announcements in Workday and emails from your campus with links to enrollment training materials. Search “Open Enrollment” within the Workday Learning Module to find quick reference guides and demo videos for completing your elections.

To streamline your benefit elections, the open enrollment selections in Workday are focused on medical, dental, flexible spending accounts and other benefits that may be changed only during the open enrollment period (or with a qualified status change). Optional life insurance, optional disability insurance and retirement contributions, as well as other optional benefits, are available to make changes to and/or enroll in separately in Workday.

To enroll in voluntary benefits, use the Workday search bar to access the Change Benefits task. In the drop-down menu, select the appropriate Change Reason to indicate which benefit you are updating. After you submit your change, you will receive an inbox item to make your enrollment selections.

Review your Open Enrollment Decision Guide or check with your campus Human Resources office for information on how to enroll or make changes to your coverage.