2026 Open Enrollment
November 3 – November 14, 2025
Open Enrollment is your once-a-year opportunity to enroll in or update your benefits. Review your benefits carefully, so you’ll have the information you need to make open enrollment a success.
This year is a passive open enrollment. Current elections will roll over except for FSAs and HSA, you’ll need to make an active election to renew these coverages for 2026.
Don’t miss your opportunity to make changes to your benefits for 2026!
As you review your options, you’ll notice an increase in the rates you pay for medical coverage. Please be assured that our team works hard to keep your premiums affordable without a loss of high-quality benefits. These increases are due to several factors, including an increase in large claims, high utilization of the medical plan, and medical cost inflation, which reflects the increase in price of services.
You can make a difference in keeping premiums affordable by making informed decisions. Complete annual exams and preventive screenings, discuss generic prescription alternatives with your physician, use urgent care centers instead of emergency rooms when it is not a life threatening or urgent issue, and review your claims to make sure you are being charged correctly (Touchcare can assist you in this matter).
| Coverage Level | HDHP | EPO | PPO Base | PPO Buy-Up |
|---|---|---|---|---|
| Employee | $12.38 | $17.85 | $45.43 | $111.84 |
| Employee + Spouse | $89.80 | $126.70 | $206.71 | $399.31 |
| Employee + Spouse (surcharge) | $135.95 | $172.85 | $252.87 | $445.46 |
| Employee + Child(ren) | $70.60 | $79.56 | $131.99 | $258.17 |
| Employee + Family | $122.77 | $164.42 | $248.57 | $451.12 |
| Employee + Family (Surcharge) | $168.93 | $210.57 | $294.72 | $497.27 |
There are no increases to Dental and Vision rates for 2026.
All medical plan carriers will remain the same in 2026. However, there are a few important updates to note:
The HMO plan will now be called the EPO plan.
The PPO Base and PPO Buy-Up plans will remain, but some benefit changes apply.
Beginning in 2026, a $100/month spousal surcharge will apply to employees who choose to cover a spouse or domestic partner who has access to other medical coverage. This surcharge applies to medical coverage only and helps balance shared healthcare costs across the plan population.
If your spouse or domestic partner is enrolled in medical coverage an additional surcharge will be applied to the premium, be sure to read over the information regarding the Spouse/Domestic Partner Surcharge Agreement (located under Benefit Enrollment Materials) and follow instructions if changes apply.
To receive/continue receiving the Aristocrat HSA contribution in 2026, you will need to actively re-enroll in your HSA. Once enrolled, employees will receive $1,000 for individual coverage and $2,000 for family coverage in 2026. As a reminder, the HSA Employer contributions are funded on a bi-weekly basis.
Contribution limits have increased for 2026:
Health Savings Account (HSA):
Self Only Coverage: Increased to $4,400.00
Flexible Spending Account (FSA):
Increased to $3,400
Dependent Care Flexible Account (DCFA):
Increased to $7,500.
We’re excited to welcome TouchCare as your new healthcare concierge service! TouchCare is a free and confidential resource that helps you and your family navigate healthcare, save time, and reduce out-of-pocket costs.
Your TouchCare Health Assistants can help you:
Solve billing and claims issues
Find and schedule quality doctors and specialists
Provide cost estimates for treatments and procedures
Answer benefit-related questions
Review mid-year benefit options
Identify low-cost prescription alternatives
Contact TouchCare:
866-486-8242
assist@touchcare.com
www.touchcare.com/ask
Available Monday–Friday, 8:00 AM – 9:00 PM EST
| Date | Time | Location | Event | Zoom Link (if applicable) |
|---|---|---|---|---|
| Tuesday, 11/4/2025 | 9:00a -9:30p PT | Virtual Benefits Fair | ARAG Legal Insurance | ARAG Teams Link |
| Tuesday, 11/4/2025 | 11:30a -12:30p PT | LVIC Café / Virtual | Virtual OE Presentation / Virtual for all other locations | Zoom Link |
| Tuesday, 11/4/2025 | 1:00p – 3:00p PT | LVIC Café | Benefits Q&A – Benefits team in-person | n/a |
| Wednesday, 11/5/2025 | 9:00a -11:00a PT | Summerlin Café | Benefits Q&A in Café – Benefits team in-person | n/a |
| Wednesday, 11/5/2025 | 11:00a PT | Virtual Benefits Fair | TouchCare: Healthcare Concierge Service | TouchCare Zoom Link |
| Thursday, 11/6/2025 | 10:00a -10:30a PT | Virtual Benefits Fair | Aetna Health Your Way Wellness Webinar Session 1 Meeting Passcode: Du3rg32w |
Aetna Teams Link |
| Thursday, 11/6/2025 | 11:00a -11:45a PT 12:00p – 1:00p MT |
Virtual Benefits Fair | Lyra 101: Understanding Your Mental Health and Wellbeing Benefit ID: 93321396158, passcode: 942496 |
Lyra Zoom Link |
| Thursday, 11/6/2025 | 10:00a -11:00a CT | TIC 105 / Virtual | Virtual OE Presentation / Virtual for all other locations | Zoom Link |
| Thursday, 11/6/2025 | 11:00a – 1:00p CT | Virtual Benefits Fair | Benefits Q&A – Benefits team in-person | n/a |
| Wednesday, 11/12/2025 | 11:00a PT | Virtual Benefits Fair | TouchCare: Healthcare Concierge Service | TouchCare Zoom Link |
| Wednesday, 11/12/2025 | 12:00p – 12:30p PT | Virtual Benefits Fair | Meet Wellthy | Wellthy Zoom Link |
| Wednesday, 11/12/2025 | 1:00p – 1:30p PT | Virtual Benefits Fair | Aetna Health Your Way Wellness Webinar Session 2 Meeting Passcode: Du3rg32w |
Aetna Teams Link |
| Thursday, 11/13/2025 | 1:00p – 1:30p PT | Virtual Benefits Fair | Voya(Critical Illness/Accident/Hospital) | VOYA Teams Link |
No plan changes, no new 2026 benefit summaries. View current summaries on the dental page.