2026 Open Enrollment

You asked, we delivered. You asked for greater value and easier access to care, and we are pleased to deliver just that with your 2026 benefits program. These updates are designed to make your benefits more affordable, inclusive, and easier to use—so you can focus on what matters most: your health and wellbeing.

Health Plans:

• Purple Plan – The Purple Plan is being enhanced with lower deductibles, reduced coinsurance, and a lower out-of-pocket maximum. These changes mean you’ll start paying less sooner—and reach full coverage faster. The Purple Plan is also the only option that includes copays, giving you predictable costs for common services like doctor visits and urgent care. These updates are designed to help you take control of your health and budget with confidence, increase affordability, and make getting access to care easier. As a reminder, the Purple Plan is an Exclusive Provider Organization (EPO) Plan, and all services must be received within the plan’s network, which keeps costs lower, so be sure to check if your providers are in network. Learn more.

• Anthem covered services – To improve access to care and provide greater flexibility, benefits for temporomandibular joint (TMJ), durable medical equipment, in-home nursing care, and acupuncture will be enhanced.

• Breast Cancer Screening – If your mammogram indicates the need for further evaluation, the Health Plan will cover additional breast cancer screening services—such as breast MRI, ultrasound, and pathology/biopsy—as part of preventive care. These follow-up tests will be covered at no cost to you, supporting earlier detection and improved access to comprehensive care.

• Health Savings Account (HSA) – HSA contribution limits will increase by $100 to $4,400 for individual coverage and by $200 to $8,750 for family coverage, enabling you to save even more towards medical expenses now or in the future. Learn more.

• Tobacco-Free Health Credit – The monthly tobacco surcharge for smokers will increase from $40 to $50 per month and will continue to be refundable when you complete the Tobacco Cessation program through Personify Health. By taking the first step toward quitting tobacco, you’re not only investing in your long-term health—you’re also earning the Tobacco-Free Health Credit, putting money back in your pocket. Learn more.

• Orange Plan – To comply with IRS requirements, the annual deductible for in-network services will increase by $100 for individual coverage and $200 for family coverage. The out-of-network deductibles and the out-of-pocket maximums will increase to remain consistent with the plan design. Learn more.

• Paycheck contributions – Assurant continues to pay more than 83% of your total health care costs. Nationally, health care costs continue to rise, and premiums are projected to increase 11%. Through cost-savings initiatives and vendor negotiations, we’ve limited employee contribution increases to about 7% for 2026 (this equates to an average of $8.31 per paycheck, depending on your plan and coverage level). Dental and vision plan premiums will not increase for 2026, allowing you to enjoy the same coverage without any added expense.  

 Prescription Drug 

• CVS Weight Management Program – The CVS Weight Management Program offers a personalized, medication-supported approach to help you lose weight, improve overall wellness, and maintain long-term results. This program will be required for new and existing users of GLP-1 medications for weight loss, ensuring safe, effective care through CVS Caremark. Learn more. 

Flexible Spending Account 

• Dependent Care Flexible Spending Account (FSA) – You may contribute up to $7,500 for eligible dependent care expenses, an increase of up to $2,500 from prior years.  Learn more. 

Legal Assistance 

• Expanded support for you and your family, at no extra cost – Participants in the Legal Assistance Plan through LegalEASE will have access to a new divorce benefit through Hello Divorce to make the experience less stressful and cost effective.  Learn more.

 Family Planning Benefits 

• Enhanced benefits through WINFertility – To support employees across all life stages, we are introducing and expanding doula support, caregiving resources, preeclampsia testing, and menopause/andropause benefits for medical plan enrollees. Learn more.

 Employee Assistance Program (EAP) 

• Global EAP partner – To offer consistent, world-class mental health counseling and coaching to employees, as well as improved digital capabilities, Lyra Health will be our new global EAP partner. The number of free sessions available to you and your family members will increase from six to eight, per issue per year. As result, EAP services offered through Lucet Health will end December 31, 2025. Learn more.  

If you don’t elect or waive coverage during 2026 Open Enrollment, most of your current benefits will automatically roll over – but at 2026 rates, except for the Flexible Spending Accounts (FSAs) and Health Savings Account (HSA) which do not roll over and require your active enrollment each year. If you want to contribute to an FSA in 2026, you must actively elect it on MyHR by Friday, November 7.

IF YOU DON'T ENROLL IN BENEFITS BY NOVEMBER 7 AT 10 P.M. ET:

Unless you have a qualifying life event (such as a marriage or divorce, birth or adoption of a child, etc.), your next opportunity to change your coverage or enroll in these benefit programs will be at Open Enrollment in the fall of 2026 for coverage in 2027.

• Go to Connect and click on the MyHR icon from the dashboard.
• Check your MyHR inbox and click on the task “Change Benefits for Open Enrollment.”
• Complete your tobacco use attestation, make your benefit elections, and review/add beneficiaries.
• You can make changes to your submitted elections at any time during the enrollment period. Simply select your Benefits Hub in MyHR, then “Change Benefits for Open Enrollment.” Don’t forget to resubmit your elections if you make changes.
• After the enrollment period ends, you’ll find a summary of your elections in your Benefits Hub.
• Review this summary to make sure all your changes are accurate before the enrollment period ends. For detailed instructions, refer to the job aid on the MyHR Resources site via your Quick Links worklet.

Before electing your 2026 benefits, review your options to keep you and your family healthy and protected in the coming year.

• Review the Open Enrollment Guide and explore MyAssurantBenefits.com for details.
• Compare all Assurant’s benefit options to determine which are right for you.
• Check out ALEX, the Plan Comparison Tool.
• Compare coverage through Assurant with other options that may be available to you through your spouse/partner or parents (if you’re under age 26).
• Review your past health care expenses while considering any anticipated services or procedures in the coming year.
• Confirm your providers are in-network by visiting the Health Plan Network page.
• For questions, start a chat with ERIN.

Ready to enroll, make changes, or waive coverage, click MyHR.