What's Changing
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.
Dental
- No plan design 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 $5,000.
- The maximum HSA single contribution limit for the 2025 calendar year is $4,300. The maximum HSA family contribution limit for the 2025 calendar year is $8,550.
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 required to receive employer-funded HSA contributions.
Disability
Effective October 1, 2025 the following states will no longer be excluded from offering certain TriNet-sponsored short-term disability (STD) plans. If you offer a company-paid disability plan, you will be charged a reduced rate for worksite employees who reside in these states. Please reference the client renewal site for further details.
State | STD Plan(s) | |
California (CA) | 60% STD 750 CO Pd (Standard) | |
Connecticut (CT) | 60% STD 750 CO Pd (Standard) | |
Hawaii (HI) | 60% STD 750 CO Pd (Standard) | |
Massachusetts (MA) | 60% STD 750 CO Pd (Standard) | |
New Jersey (NJ) | 60% STD 750 CO Pd (Standard) | |
Puerto Rico (PR)* | 60% STD 750 CO Pd (Standard) | |
Rhode Island (RI) | 60% STD 750 CO Pd (Standard) | |
Washington (WA) | 60% STD 750 CO Pd (Standard) | |
Oregon (OR) | 60% STD 750 CO Pd (Standard) | 60% STD 1500 CO Pd (Enhanced) |
* Reduced rate unavailable due to minimal statutory benefit amount.
- Effective October 1, 2025 Delaware and Minnesota will offer statutory STD plans. If you offer a company-paid disability plan, you will be charged a reduced rate for worksite employees who work in these states. Please reference the client renewal site for further details.
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 will continue to provide your eligible U.S. based worksite employees enrolled in a TriNet-sponsored medical plan access to Health Advocate.
Commuter Benefits
The maximum commuter benefits monthly contribution limit for the 2025 calendar year is $325 for both qualified parking and public transit expenses.
Employee Assistance Program
No plan design changes to the Employee Assistance Program (EAP).