The open enrollment period for benefit elections effective January 1, 2026 start on, Monday, October 13, 2025 and will end at 5 pm on Friday, November 7, 2025.
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- URGENT ATTENTION: Employees who are currently enrolled in the Medical Insurance Plan 4 will be required to select Plan 7 or Plan 11 for 2026. Due to the increase premium cost, Plan 4 will no longer be an option for 2026. Participants will be required to complete a new Anthem Enrollment form.
- If you do not need to make any changes to your Medical, Dental or Vision plan options you are not required to complete new forms.
- Spousal Affidavits must be completed if you have EE/Spouse or EE/Family Medical coverage. Failure to complete the Spousal Affidavit will result in cancellation of your spouse’s coverage effective January 1, 2026.
- If you want to cancel your coverage for 2026 please complete the 2026 Election Participation form.
- Anthem Medical Insurance Rates for 2026 increased by 4.4%.
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- Plan 7 High Deductible Out-of-Pocket Maximum increased to $3,400/$6,800 for 2026. No changes to coverage. If you enroll in Plan 7 you are eligible for the HSA.
- Plan 11 (HMO Health Keepers) coverage will remain the same for 2026. ($25.00 co-pay, $50.00 Specialist co-pay, $750/$1,500 deductible and Out-of-Pocket Maximum $3,250/$6,500)
- Delta Dental of Virginia Insurance Rates for 2026 reduced by 1.4%. Coverage remains the same for 2026. Low Plan | High Plan
- Blue View Vision Insurance Rates and coverage remain the same for 2026. Blue View Vision Plan
- CarelonRx will remain the Rx provider for 2026. Changes to coverage are reviewed every 6 months by the VPCBC.
- For an overview of all benefits for 2026 please see the Open Enrollment Guide.
- Please note: If you received a raise in 2025 and you moved into a new Tier your insurance premiums will be adjusted to the new rate for 2026. Plan 7 Rate Sheet | Plan 11 Rate Sheet
- Health Equity FSA, LPFSA, Dependent Care for 2026:
- Maximum Contribution Limits FSA $3,300.00, FSA Carryover $660.00, and Dependent Care will increase to $7,500.00.
- *In order to rollover funds from 2025 to 2026 you MUST complete an enrollment form for 2026.
- Reminder: You are REQUIRED to complete a new application every year in order to participate in the FSA and Dependent Care Accounts.
- Please complete the FSA Enrollment form to make changes.
- Health Equity Health Savings Accounts for 2026:
- Annual Maximums: Individual - $4,400.00, Family - $8,750.00, and Catch-up Contribution - (if age 55 or older by 12.31.2025) $1,000.00.
- For complete details please see the attached, HSA Contribution Structures.
- If you would like to make changes to your contribution amounts please complete the 2026 HSA Payroll Deduction form.
- Voluntary Supplemental Insurance Plans 2026:
- The Hartford will be the new provider for 2026. If you are currently participating in the MetLife Supplemental Insurance Plans your coverage will automatically transfer over to The Hartford. You will be required to login to the Employee Navigator site and confirm your elections for 2026. You can make changes to your coverage at this time.
- If you are not currently enrolled in the voluntary supplemental insurance you can enroll at this time with no medical exam up to the maximum allowed. If you exceed the maximum a statement of health will be required.
- Short Term Disability (60% of your weekly salary plus an additional $50.00.)
- Supplemental Term Life (Maximum of $250,000.00 for employee and $125,000 for spouse.)
- Accident
- Critical Illness
- Hospital Indemnity
- For complete details regarding the plan options please click this link
- Effective date of coverage will be January 1, 2026.
- HIPAA Special Enrollment Rights Notice
- HIPAA Notice of Privacy Practices
- Children’s Health Insurance Program (CHIP) Notice
- Women’s Health and Cancer Rights Act (WHCRA) Notice
- Newborns’ Mothers Health Protection Act (NMHPA) Notice
- General Notice of COBRA Continuation Rights
- Health Insurance marketplace coverage options and your health coverage.
Please submit all Enrollment Forms to Debbie Herndon, Benefits Manager, at one of the following :
- Email: dherndon@hsc.edu
- Fax: 434-337-5969
- Mail: Campus Box 25
- In person: 102 Gilkeson
- All forms must be RECEIVED by 5 pm on Friday, November 7, 2025.