It’s that time of year again! From October 31 to November 14, 2025, team members can enroll, re-enroll or make changes to their 2026 employee benefits during the annual Open Enrollment period. There are no exceptions if you miss the deadline for enrollment.
This year’s Open Enrollment will be passive, which means your current benefits will automatically roll over for 2026 unless you make a change. You’ll have the option to review or update your benefits between October 31 and November 14. If you don’t take any action, your 2025 elections will continue into 2026, even if coverage or premiums change.
Action is required if:
Exceptions:
To assist you in the decision-making process, we host a Virtual Benefits Fair (VBF) that allows you to learn about all the benefit offerings in an interactive setting. Please visit the Open Enrollment booth for more information on what’s changing in 2026. If you visit five booths, including the Open Enrollment booth, you will be entered into a drawing to win prizes.
Begin making your enrollment decisions by reviewing the 2026 Team Member Guide to Benefits Enrollment. Download the guide here. Our goal is to make benefits easy to understand so you can make the best enrollment decisions for you and your family.
In addition to the team member guide to benefits, we have several interactive online experiences that allow you to learn more about our benefit offerings and partners. To learn about our benefit offerings and partners, click here to attend our Virtual Benefits Fair. You can win prizes for visiting all booths to learn about your coverage options.
Watch the Interactive Benefit Education Video below:
EPO Plan Design Change
Beginning in 2026, the EPO Plan will introduce a two-tier network structure:
Please note: The EPO Plan will continue to offer no coverage for out-of-network services.
New Medical Plan Comparison Tool
Choosing the right medical plan can be challenging, so we’ve provided the Medical Plan Comparison Tool to help. This interactive online tool allows team members to compare estimated costs for different plans based on coverage tier and healthcare usage. Accessible from any device, the tool offers a guided experience or direct access to cost calculations. It also features a tax savings calculator for HSA or FSA contributions and educational videos about your benefits.
Updates to Medical Plan Premiums
Team member contributions for some medical plans will change slightly. FMOL Health continues to cover most health insurance costs so you can focus on your care.
New Pharmacy Benefit Manager
Effective January 1, 2026, Capital Rx will be the new administrator for FMOL Health prescription plans, replacing Express Scripts. Similar to how the medical plan covers doctor visits, the prescription plan includes coverage for eligible prescribed medications.
Prescription Benefit Updates
Coverage for GLP-1 weight management medications and lower cost alternatives is available January 1, 2026, under the FMOL medical plans. Certain criteria must be met to be eligible for coverage. Contact Healthy Lives for more information at (855) 426-4325 or healthylives@fmolhs.org. Team members can begin this process now, ahead of the 2026 benefit year. For more information on eligibility criteria, you can review the FAQs or contact a Healthy Lives coach today.
Updated Just Premium Income Limits
The income limits for Just Premium medical plan contributions have been updated to align with adjustments made by the Department of Health & Human Services to the Federal Poverty Level guidelines. This adjustment reflects current inflation rates.
The FMOL Health customized network is expanding as new providers are added over the year to increase access to primary care and various specialties for team members. Additionally, more specialty options will be added in Tier 1 of the EPO and PPO networks in 2026.
Growing Our Network
FMOL Health has invested time in growing our employed primary care and specialty network, as well as our preferred partners, to provide you with convenient access to care. The FMOL Health customized EPO Tier 1 and Tier 2 networks include the same providers as PPO Tier 1 and Tier 2.
To search for providers in the EPO or PPO Network, please visit My Health Tool Kit.
Medication Copay Savings and Personal Services Available through RxONE
RxONE is our FMOL Health-owned, in-house pharmacy that offers reduced copays for mail-order/ 90-day supply prescriptions and for specialty medications from preferred providers. In addition to discounts, RxONE offers team members personal service through their in-store or curbside delivery options, faster fill times, immunizations and ease of access to our pharmacists. Select an RxONE location as your pharmacy of choice and start taking advantage of these savings and personalized service options for your medications.
Reduced Health Premium Available Through Our Just Premium Program
We recognize that health insurance can be a significant expense, which is why we offer a discounted premium opportunity called Just Premium. Team members must apply to be considered for the program, which is based on total household income (adjusted gross income), the number of dependents you claim on your Income Tax Return and your hourly base rate. To apply complete this application and submit your 2024 Federal Income Tax Return by October 30.
New Time Off Benefits
Memorial Day is being included as a paid holiday for all team members who are eligible for benefits. Additionally, benefit-eligible team members will have access to up to four weeks of paid parental leave every 12 months after completing six months of employment.
Retirement Plan Changes
Effective January 1, 2026,
Student Debt Solutions
FMOL Health is partnering with Candidly to provide comprehensive student debt solutions, including support for Public Student Loan Forgiveness (PSLF). Candidly offers a flexible, easy-to-use platform, expert coaching services, and up-to-date guidance on student loan policies and repayment strategies. This partnership is designed to help employees better understand their options and take control of their student loan journey.