Highlights for the 2026 Benefits Plan Year

Medical

To view What's Changing for the 2026 benefits plan year, click on the medical carrier(s) below.

• Aetna
• Anthem Blue Cross Blue Shield
• Blue Cross and Blue Shield of North Carolina
• Blue Shield of California
• Florida Blue
• Harvard Pilgrim Health Care
• Highmark
• Kaiser Permanente
• UnitedHealthcare

IMPORTANT! In the event that any of your worksite employees’ plans are eliminated and they are automatically enrolled in a different plan, if there is a conflict between the plan mapping provided in the what’s changing documents and the plan they are enrolled in (displayed on their confirmation statement), the plan on their confirmation statement shall control.

Dental

• No plan designs changes.

Vision

• No plan design changes.

Flexible Spending Accounts (FSA) and Health Savings Account (HSA)

• The maximum health care FSA annual contribution limit for the 2026 benefits plan year is $3,300. The maximum dependent day care FSA annual contribution limit for the 2026 benefits plan year is increasing to $7,500.
• The maximum HSA single contribution limit for the 2026 calendar year is increasing to $4,400. The maximum HSA family contribution limit for the 2026 calendar year is $8,750.

IMPORTANT! If applicable, in order for eligible worksite employees to receive employer-funded HSA contributions for the new plan year, the worksite employee must actively submit their open enrollment elections and must not "waive" HSA. Please note, a worksite employee HSA contribution is not requires to receive employer-funded HSA contributions.

Disability

• Effective January 1, 2026, worksite employees who work in Delaware, as well as clients with worksite employees working in Delaware, who elect short-term disability, will have reduced rates due to Delaware Paid Family Leave.

  • Should a worksite employee become disabled, they will need to file for short-term disability benefits with both the state of Delaware and The Hartford. 

  • The benefit that worksite employees are eligible to receive from The Hartford will be offset with any state-paid family leave benefits that they receive.

• Effective January 1, 2026, worksite employees who work in Minnesota, as well as clients with worksite employees working in Minnesota, who elect short-term disability, will have reduced rates due to Minnesota Paid Family Leave.
  • Should a worksite employee become disabled, they will need to file for short-term disability benefits with both the state of Minnesota and The Hartford. 
  • The benefit that worksite employees are eligible to receive from The Hartford will be offset with any state-paid family leave benefits that they receive.

Life and AD&D Insurance

• No plan design changes.

Voluntary Benefits

• There will be enhancements to the Aflac Accident, Critical Illness and Hospital Indemnity plans. Click here for more information. 

Other Benefits

Health Advocate

TriNet now provides your eligible U.S. based worksite employees enrolled in a TriNet-sponsored medical plan access to Health Advocate. Whether your worksite employees have questions about how to find health insurance for family members or are overwhelmed with medical bills, the Health Advocate team of nurses and billings and claims specialists can help your worksite employees get the answers they need, saving them time, money and worry. Also, Health Advocate covers your worksite employees and eligible relatives, which may include, their spouse, dependents and even their parents and parents-in-law. Click here for more details.

Commuter Benefits

The maximum commuter benefits monthly contribution limit for the 2026 calendar year is $325 for both qualified parking and public transit expenses.

Employee Assistance Program

No plan design changes to the Employee Assistance Program.