If you’re looking to make changes to your elections, you still have time! You can call One Source Virtual from now until November 26th. Any changes you make will go into effect January 1st, 2026.
Your 2026 Benefits: Familiar Plans, Fresh Perspective
In 2026, you will continue to choose from Cigna, Delta, and VSP plans offering the same deductibles and out-of-pocket maximums. While the plans haven’t changed, your life might have. Whether your family has grown or you’re simply looking for a better fit, it’s worth taking a fresh look at your options.
This Open Enrollment, let ALEX be your guide! ALEX is a personalized and
easy-to-use online tool that can help make sure you’re choosing the best plans for your unique needs in 2026. Click here to spend a few minutes with ALEX.
2026 Contributions Update: Smart Planning Starts Here
Medical plan contributions are increasing next year, with the lowest increase to the Cigna HSA plan. But there’s good news too—Dental stays the same, and contributions for Vision, LTD, and Critical Illness are going down! Review your elections and make sure your benefits match your needs.
| Plan Name | Team Member Only | Team Member + Spouse | Team Member + Child(ren) | Team Member + Family | |
|---|---|---|---|---|---|
| Medical Plans | Cigna HSA | $38.00 | $152.00 | $74.00 | $190.00 |
| Cigna PPO | $86.00 | $228.00 | $161.00 | $298.00 | |
| Cigna PPO High | $137.00 | $309.00 | $226.00 | $390.00 | |
| Dental Plans | Delta PPO Low | $5.00 | $12.00 | $14.00 | $21.00 |
| Delta PPO High | $15.00 | $30.00 | $34.00 | $51.00 | |
| Vision Plans | VSP Low | $2.38 | $4.74 | $5.08 | $8.11 |
| VSP High | $3.94 | $7.89 | $8.48 | $13.48 |
Teladoc Virtual Primary Care: More Access, Less Cost
Starting in 2026, all medical plans—including the Cigna HSA—cover three Virtual Primary Care visits at no cost for each covered family member. Need more than three? No problem! From the fourth visit on, it’s a $30 copay, even if you haven’t met your deductible—no matter which plan you’re enrolled in. Convenient care, predictable costs. That’s a win-win!
Maximize Your HSA In 2026
In 2026, the annual HSA contribution limit is increasing—giving you more room to save or invest tax-free for future healthcare expenses. And don’t forget: Niagara matches $0.50 for every $1 you contribute, up to the Maximum Niagara Match. More flexibility, more financial power!
| HSA Match & IRS Limits | Maximum Niagara Match (Within IRS Contribution Limit) | 2026 Annual IRS Contribution Limit | Your Niagara Contribution Limit (Annual IRS Limit Minus Niagara Match) |
|---|---|---|---|
| Individual | $500 | $4,400 | $3,900 |
| Family | $1,000 | $8,750 | $7,750 |
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