2026 OPEN ENROLLMENT

2026 Open Enrollment

It’s time to take action!

Make Your Benefit Elections from
November 10 – 21, 2025

Open Enrollment is your once-a-year chance to evaluate your changing needs and update your benefits elections for the upcoming year. We encourage everyone to take this time to ensure your benefits are the right fit for you and your family.

This year, we’re focusing on Mental Health, Convenience of Health, and Preventive Health—three pillars that promote balance, accessibility, and proactive care.

We’re also excited to share several new enhancements designed to support your well-being, simplify your healthcare experience, and help you get the most value from your coverage. Whether you’re exploring new virtual care options or looking for ways to maximize your savings, this year’s updates have something for everyone.

Eligibility

You are eligible to participate in Millennium Health benefits plans if you work 30 hours or more per week. Additionally, you may enroll your eligible dependents in certain plans. Eligible dependents include:

Your spouse or state-registered domestic partner.
Your dependent child(ren) up to age 26, including a natural child, stepchild, legally adopted child, child placed for adoption, or a child for whom you or your spouse are the legal guardians.
Your child(ren), age 26 or older, who is/are mentally or physically disabled and who rely on you for support and care.

What’s New for 2026

Telehealth at $0 Cost: All plans now include MDLive virtual visits at no cost. Services include:

Preventative Care
Primary Care
Specialty Care
Behavioral Health
Dermatology

Head space for Cigna Health Participants

To support overall Mental Health, enjoy access to thousands of meditations, mindfulness exercises, guided workouts, and focus music at no cost. Members can explore content on their own or receive personalized recommendations based on their needs.

Cigna’s MotivateMe Program

Continues to reward you for healthy behaviors. As a reminder, all preventative in-network care is covered at 100%

Medical Plan Contributions

There will be a small increase in employee contributions for medical coverage. See 2026 Per Paycheck Cost for Coverage section below.

Flexible Spending Accounts (FSA)

Contribution limits have increased for the Health Care and Dependent Care FSAs. You can contribute up to $3,400 each year to the Health Care FSA to help pay medical, dental, and vision expenses.
The annual contribution limit for the Daycare (Dependent Care) FSA is $7,500 to help pay for daycare, summer camps, and other eligible dependent care expenses.
You can now roll over up to $680 of unused Healthcare FSA funds to the 2027 plan year (must re-enroll in the FSA for 2026).

Medical Plan Comparison

Plan Features	Cigna Open Access Plus with HSA – Basic		Cigna Open Access Plus with HSA – Enhanced		Cigna Open Access Plus
Plan Features	In-Network	Out-of-Network	In-Network	Out-of-Network	In-Network	Out-of-Network
Preventive Care	Covered in Full	50% after deductible (through age 16)	Covered in Full	40% after deductible (through age 16)	Covered in Full	40% after deductible (through age 16)
Deductible Individual Individual in a Family Family	$4,500 $4,500 $9,000	$9,000 $9,000 $18,000	$3,000 $3,400 $6,000	$6,000 $6,800 $12,000	$1,500 $1,500 $2,500	$3,000 $3,000 $5,000
Out-of-Pocket Maximum Individual Individual in a Family Family	$8,000 $8,000 $16,000	$16,000 $16,000 $32,000	$6,000 $6,000 $12,000	$12,000 $12,000 $24,000	$5,500 $5,500 $11,000	$11,000 $11,000 $22,000
MH Annual HSA Contribution Individual/ Family	$750/$1,500		$350/$700		N/A
Primary Care Visit	30% after deductible	50% after deductible	20% after deductible	40% after deductible	$25 copay	40% after deductible
Specialist Visit	30% after deductible	50% after deductible	20% after deductible	40% after deductible	$40 copay	40% after deductible
Telehealth Visit (MDLIVE)	$0	Not covered	$0	Not covered	$0	Not covered
X-ray and Lab	30% after deductible	50% after deductible	20% after deductible	40% after deductible	20% after deductible	40% after deductible
Hospitalization	30% after deductible	50% after deductible	20% after deductible	40% after deductible	$100 copay, then 20%	40% after deductible
Outpatient Surgery	30% after deductible	50% after deductible	20% after deductible	40% after deductible	20% after deductible	40% after deductible
Urgent Care	30% after deductible	50% after deductible	20% after deductible	40% after deductible	$25 copay	40% after deductible
Emergency Room	30% after deductible		30% after deductible		$100 copay
Acupuncture (20 days/calendar year)	30% after deductible	50% after deductible	20% after deductible	40% after deductible	$25 copay (PCP) $40 copay (specialist)	40% after deductible

Please note: For residents of TX, OK, and MO, limited medical plan options are available. For more information, please contact Benefits@MillenniumHealth.com.

Prescription Drugs

All medical plan options come with prescription drug coverage. Save money by utilizing generic and mail order options. Learn more about how your prescriptions are covered here.

Plan Features	Cigna Open Access Plus with HSA – Basic	Cigna Open Access Plus with HSA – Enhanced	Cigna Open Access Plus
Plan Features	In-Network	In-Network	In-Network
Retail (30-day supply) Generic Brand Non-Formulary	$15 after deductible $35 after deductible $60 after deductible	$15 after deductible $35 after deductible $60 after deductible	$15 copay $35 copay $60 copay
Mail Order (90-day supply) Generic Brand Non-Formulary	$30 after deductible $70 after deductible $120 after deductible	$30 after deductible $70 after deductible $120 after deductible	$30 copay $70 copay $120 copay
Specialty Drugs	30% after deductible up to $200	30% after deductible up to $200	30% up to $200

2026 Per Paycheck Cost for Coverage

Benefit Plan	Cigna Open Access Plus with HSA – Basic	Cigna Open Access Plus with HSA – Enhanced	Cigna Open Access Plus
Medical
Employee Only	$25.01	$46.60	$110.49
Employee + Spouse/DP	$137.85	$195.72	$297.00
Employee + Child(ren)	$71.27	$108.97	$176.34
Employee + Family	$168.80	$236.58	$357.99

Benefit Plan	Cigna Dental DHMO	Cigna Dental DPPO Basic	Cigna Dental DPPO Enhanced
Dental
Employee Only	$0.92	$2.44	$5.20
Employee + Spouse/Domestic Partner	$2.59	$8.33	$15.78
Employee + Child(ren)	$3.02	$10.10	$19.15
Employee + Family	$4.51	$13.48	$25.55

Benefit Plan	VSP Vision Plan
Vision
Employee Only	$0.46
Employee + Spouse/Domestic Partner	$2.91
Employee + Child(ren)	$2.97
Employee + Family	$4.79

Note: Adding a domestic partner (or their dependents) to your benefits may result in imputed income, which is taxable if your partner does not qualify as your IRS tax dependent. Please consult your tax advisor for details.

Understanding the Health Savings Account (HSA)

The Basic and Enhanced High Deductible Health Plan (HDHP) with Health Savings Account (HSA) are two smart and flexible PPO medical plans that can help you save money while still getting top-notch healthcare. Here’s why you should consider enrolling in one of these options:

Company Contributions: Millennium Health will add funds directly to your HSA, giving you a head start. These contributions can be used for current medical expenses or saved for the future, and they roll over year after year. It’s like having a personal healthcare fund that grows over time.
Free Preventive Care: Stay healthy without worrying about costs. All preventive services—like routine checkups, vaccinations, and screenings—are covered at 100%. You can take care of yourself and your family without any out-of-pocket expenses for these important services.
More Take-Home Pay: HDHPs have lower premiums, so you’ll keep more money in your paycheck. Pair this with the tax advantages of the HSA and the company’s contributions, and you’re set up for significant savings.
Tax-Free Savings: Contributions to your HSA are tax-free, grow tax-free, and can be spent tax-free on qualified medical expenses. It’s a triple-tax advantage! Plus, the money in your HSA is yours to keep forever—even if you change jobs or retire. You can use it to pay for medical expenses now or save it for future healthcare needs, including in retirement.

Health Savings Account (HSA): Contributions cannot exceed the annual IRS maximums. In 2026, the IRS maximum for individual coverage is $4,400 and for family coverage is $8,750. If you are age 55 or over, you may contribute an additional $1,000.

Your 401(k) Match

All employees (18 years and older) are automatically enrolled and contribute 4% of their pay. To support you in your retirement goals, Millennium Health matches your contribution, dollar for dollar, up to 2% of your eligible compensation. To make changes and/or update your beneficiaries, please visit www.401k.com.

401(k) Retirement Account: For 2026 you can contribute up to $24,500 to your 401(k). If you are age 50 or older, you may make a catch-up contribution of another $8,000. Take some time to review your 401(k) contributions and prepare to make updates in January for the new calendar year.

What Can You Do During Open Enrollment?

Your current elections, such as medical, dental, vision, and voluntary benefits, will automatically roll over to the next plan year. However, you MUST actively enroll if you want to:

Enroll in benefits for the first time.
Make changes to your benefits.
Add or drop dependents from coverage.
Contribute to a Flexible Spending Account (FSA) or Health Savings Account (HSA).

After Open Enrollment ends, you won’t be able to make changes to your coverage until the next Open Enrollment period (unless you have a qualifying life event, such as marriage or the birth of a child).

Even if you do not need to enroll, take time during Open Enrollment to review and update your personal information, such as your email, phone number, and address for 2025 W2s, as well as your beneficiaries for your life insurance and 401(k).