While you will see contribution increases for all medical, dental, and vision plans in 2026, Workday continues to cover the majority of your benefit costs. Workmates can also expect the following plan changes:

Cigna Smart Plan members will see increases to their in-network deductibles and out-of-pocket maximums. Cigna Core members will see increases to both in-network deductibles and out-of-pocket maximums, along with their out-of-network out-of-pocket maximum. Members can also expect formulary updates from CVS. Review the formulary to check whether your prescriptions are covered in 2026 and for copay or coinsurance updates.

Kaiser Smart Plan members will see increases to their in-network deductibles and out-of-pocket maximums.

SimplePay Health members will pay copays at the time of care, not at the end of the month in one statement; financing will no longer be available. SmithRx will provide prescription drug coverage through a network of 65,000+ pharmacies (including Amazon, Walmart, and Costco) and offer a “Find My Meds” tool for cost savings. Other changes include formulary updates and revised copays for PCP, specialist, inpatient hospital, and outpatient surgery visits.

💡Starting January 1, 2026, if you are enrolled in the SimplePay Health Plan, you will pay copays when you receive care. There will not be a monthly statement, and there will no longer be an option to finance copays. Since you cannot finance your care, you will no longer need to complete the Member Financial Onboarding Form.

Take a look at your current medical plan election. Did it meet your needs in 2025? Will it continue to meet your needs in 2026? Maybe it’s time to make a switch.

Compare the medical plans

Be sure to enroll yourself and your family in dental and vision coverage. Review your plan options, and note increases in contributions to both plans for 2026. You’ll need to elect each plan separately in Workday.

The tax-advantaged HSA is only available to you if you choose the Cigna Smart Plan or Kaiser Smart Plan. And they’re called Smart Plans for a reason. When you enroll in a Smart Plan and the Fidelity HSA, Workday contributes to your HSA over the course of the year. For 2026, Workday will continue to offer a leading HSA contribution ($1,000 per year for single coverage and $2,000 per year if you have dependents).

Don’t forget that you can contribute, too, and you won’t pay federal income taxes on the money you put in, the funds you withdraw, or the investment growth of your account. Smart, indeed! For 2026, you can contribute up to $4,400 (employee-only coverage), or $8,750 (employee + 1 or more dependents), including the contributions from Workday.

Tax-advantaged FSAs can save you a lot of money each year. Spending big on day care every year? A Dependent Care FSA can help. Have you been procrastinating on a dental procedure? Consider a Health Care or Limited Purpose FSA. Remember, you must reenroll in FSAs every year.

Please, plan carefully: FSAs are generally use-it-or-lose-it accounts, so you should plan to spend all of your FSA funds before the end of the plan year. In 2026, the Health Care FSA contribution limit is $3,400, and there is a carryover limit of $660 from 2025 to 2026. In 2026, the carryover limit from 2026 to 2027 will be $680.

Note: To qualify for carryover from 2025 to 2026, you must be covered by the Health Care FSA as of December 31, 2025, but you do not need to elect additional coverage for 2026.

For 2026, the Dependent Care FSA contribution limit is $7,500. The Dependent Care FSA does not allow carryover; therefore, you’ll forfeit any funds remaining in your Dependent Care FSA at the end of the year.

Workday provides basic life and AD&D coverage at no cost to you, but you can choose to buy more. You may increase your voluntary life insurance coverage up to $100,000 during Annual Enrollment without evidence of insurability (EOI). The most voluntary life coverage you can elect is 5 times your eligible pay, or $1 million, whichever is less. You may increase voluntary life insurance coverage for your spouse or domestic partner up to $50,000 during 2026 Annual Enrollment without EOI, subject to the plan maximum of $500,000 or the amount of your own voluntary life insurance coverage, whichever is less.

California Workmates are automatically enrolled in the Workday Voluntary Disability (VDI) plan. This plan shows in Workday as “CA 1 Preferred - Workday Voluntary Disability” and provides a richer benefit at a lower cost to you, compared to the California State Disability Insurance (SDI) plan.

For 2026, the California VDI contribution rate and cap are set to increase. These increases are occurring to maintain alignment with the state program and ensure the benefit plan remains healthy and generous. As a result, California Workmates may see an increase in their paycheck deductions for VDI. Additional information will be shared with California Workmates near the end of the year.

By California law, Workmates are required to be enrolled in one of the two plans. During Annual Enrollment, you have the option to switch from the VDI to the SDI plan; however, as stated above, the VDI plan will always provide the higher benefit.

Important change! In previous years, there was no cost to Workmates for long-term disability (LTD) coverage. Starting in 2026, Workmates will share in the cost of this benefit.

You will automatically be enrolled in the Tax-Free LTD Benefit for 2026, unless you change or opt out of the plan during Annual Enrollment.

You have the choice to opt out during Annual Enrollment, but this means you will not have long-term disability coverage in 2026. While nobody plans on getting sick or injured, we encourage you to take the time to understand this benefit and how it can support you and your family when the unexpected happens.

💡 What is disability coverage? It provides income replacement if you become disabled and are unable to work. Workday Salary Continuation provides partial income replacement for up to 52 weeks of a medical leave. After 52 weeks, long-term disability coverage applies.

The legal world is a confusing place. Or it was before you enrolled in legal coverage. With our plan, you have legal help at your fingertips for estate planning, traffic tickets, buying a home, and more. Finally, some order in the court!

If you want to cover your furry best friends, you need to elect coverage during Annual Enrollment. PetPartners offers a group plan for cats and dogs with modern benefits, including coverage for preexisting conditions. Plus, starting in 2026, there’s no age limit, so even your oldest companions can be covered. While premiums will increase from 2025, if you have a plan with wellness coverage, reimbursement amounts are also going up.

💡Use the single sign-on (SSO) link in the PetPartners tile of your Workday Annual Enrollment task to enroll.

The Unum long-term care (LTC) plan will stop accepting new enrollments on January 31, 2026, so if you’ve been debating enrolling in that LTC plan, now is the time to consider taking action. The support service from AGIS can help you learn more about the different long-term care options you have, how this benefit covers you and/or your family in the event of chronic illness or disability, and why you might want to enroll in this type of coverage now, before rates increase.

We’re making enhancements to voluntary accident and hospital plans. Each plan covers different circumstances, but what they all have in common is a wellness benefit available each year from Unum just for getting routine preventive care. You can claim the Unum wellness benefit for each plan and each covered family member every year! Do the math, and you’ll see just how affordable some extra coverage can be.