Overview
Annual Enrollment is your opportunity to review your current benefit elections and decide what coverage will be best for you and your family in the coming year.
If you want to elect benefits for 2026, the deadline to complete your elections is 11:59 p.m. ET on Thursday, October 23.
Use this website to help you understand your options for 2026 and the steps you need to take between now and Thursday, October 23. Be sure to review:
- What’s Changing
- How to Enroll
- The 2026 Annual Enrollment Guide
- 2026 Personalized Enrollment Worksheet
2026 Benefit Options and Paycheck Contributions
Review the Personalized Enrollment Worksheet (PEW) received in your home mail* for a summary of 2026 benefits and costs for you and your covered dependents. Keep in mind, the rates in your PEW in the Benefits Center will not reflect any discount you have earned by participating in the Wellness Screening program.
*Your PEW was sent to the home address on file. You can confirm your current address through the Company’s Employee Self Service. You can access the digital version of your PEW by visiting the Benefits Center and clicking the 2026 Annual Enrollment tile.
What happens if I don’t take action during Annual Enrollment?
All current benefit elections and coverage levels will remain the same next year at 2026 rates, except for the Flexible Spending Accounts. If you want to contribute to a Health Care Flexible Spending Account or Dependent Care Flexible Spending Account, you must enroll at the Benefits Center or call 1-888-60-myBBU (1-888-606-9228) by 11:59 p.m. ET by Thursday, October 23. Any 2025 contribution to the Health Savings Account will carry over into 2026.
If you do not take action by Thursday, October 23, you cannot make changes to your benefits until the next Annual Enrollment period in the fall of 2026 for coverage effective January 1, 2027, unless you experience a qualified life event, such as a marriage or birth of a dependent child, and report it within 31 days of your status change event.
What’s Changing
As part of our strategy to provide comprehensive, competitive, and financially responsible benefits, we regularly examine our benefits program and consider changes that could better support you and your family across the entire spectrum of well-being. Here are the changes we’ll introduce in 2026.
New! Well onTarget® Wellness and Fitness Program
The Company is excited to introduce a new wellness program through Blue Cross and Blue Shield of Illinois (BCBSIL) called Well onTarget®. This program offers one-on-one virtual wellness coaching, fitness tracking, personalized tools, fitness membership discounts, a health assessment, incentives for completing healthy activities and more. Eligible associates and spouses enrolled in a Company medical plan can log in to bcbsil.com beginning January 1, 2026, to access information on this free program.
Changes to Out-of-Pocket Maximum for Company Medical Plans
There will be changes to the out-of-pocket (OOP) maximums for the Standard HSA and Enhanced HSA medical plans in 2026. For both Company medical plans, the in-network OOP maximums for individual / family will change to $5,000 / $10,000 ($10,000 / $20,000 for out-of-network) and from embedded to non-embedded. A non-embedded OOP maximum means there is one overall limit on out-of-pocket expenses for the entire family. This means for 2026, you and your covered family members must meet the family out-of-pocket maximum before the plan pays 100% of covered expenses for any family member.
New Prescription Drug Provider
Blue Cross and Blue Shield of Illinois (BCBSIL) will replace Express Scripts® as the Company’s prescription drug provider. You automatically receive prescription drug coverage through BCBSIL when you enroll in Company medical coverage. Please note the following:
- You will receive a new ID card that includes both medical and prescription drug information, and will have access to one BCBSIL app to make managing these benefits easier.
- The list of participating BCBSIL pharmacies and the BCBSIL drug list are similar to the current plan, but there may be some changes to your prescription coverage and participating in-network pharmacies. If there are changes that directly impact you, you will receive a letter from BCBSIL in November.
- Kroger pharmacies will be added to the pharmacy network.
- The BCBSIL specialty pharmacy network includes Accredo. Express Scripts® Pharmacy will remain the home delivery service. If you are currently using Express Scripts® mail order or filling specialty medications through Accredo, you may continue using your existing account.
If you would like to check if your current medications are on the new BCBSIL drug list or if your pharmacy will be in-network, please visit mybam.bcbsil.com. More details about the transition from Express Scripts® to BCBSIL will be provided in the coming months.
Company HSA Contributions
Company contributions to your Health Savings Account (HSA) are currently made in one lump sum at the beginning of the calendar year. Beginning with the first paycheck in 2026, Company contributions will be made each pay period to your HSA account. For example, if you are enrolled in the Enhanced HSA medical plan for yourself only and you are paid bi-weekly, $28.85 will be deposited into your HSA every pay period to reach the $750 HSA annual Company contribution by the end of 2026.
Supplemental Health Plan Enhancements
Exciting updates are coming to our supplemental health benefits in 2026 — at no additional cost to you!
- Critical Illness Insurance now includes nearly 50 newly covered conditions such as Alzheimer’s, COVID-19 (of a specified severity), and Type 1 Diabetes. It also features increased recurrence benefits and a shorter waiting period between recurring diagnoses.
- Accident Insurance has expanded to include new benefits like PTSD and emergency dental fillings, along with higher payouts for a wide range of treatments.
- Hospital Indemnity Insurance now offers extended ICU coverage and new daily benefits for inpatient mental health and substance abuse treatment.
Changes to BCBSIL Personal Health Clinician Program
If you or your enrolled spouse use a BCBSIL Personal Health Clinician for chronic condition management or other specialized care, these Clinicians will be called BCBSIL Health Advisors starting in January 1, 2026. You can contact a BCBSIL Health Advisor at 1-888-978-9034 beginning January 1, 2026.
Take Action
Follow these steps to learn what actions you may need to take between now and Thursday, October 23:
Review and Visit:
- Review the Personalized Enrollment Worksheet (PEW) received in your home mail for a summary of 2026 benefits and costs for you and your covered dependents.
- Visit the HealthEquity website to find more information on the HSA and how it works.
- Access Annual Enrollment materials and call the Benefits Center at 1-888-60-myBBU (1-888-606-9228) with any questions.
Decide if You Want To:
- Consider Supplemental Medical Insurance coverage for 2026 if you’re not currently enrolled.
- Contribute to a Health Care Flexible Spending Account or Dependent Care Flexible Spending Account in 2026.
- Start, change, or stop your contribution to a Health Savings Account in 2026.* Please note: Beginning with the first paycheck in 2026, Company contributions to your HSA will be made each pay period to your HSA (not as a lump sum at the beginning of the year).
- Add or drop a dependent from your benefits coverage for 2026. You will need to verify any newly enrolled dependents.
- Choose or change your beneficiary(ies) for your Basic and/or Supplemental Life Insurance. Instructions outlining how to verify beneficiaries will be included in the confirmation statement mailed to your home in December.
- Sign up for Rx Savings Solutions (RxSS), which can help you identify opportunities to save on prescription drugs with the help of a user-friendly website, convenient mobile app and direct alerts.
- Make any other changes to your benefits elections for 2026.
*You can make changes to your Health Savings Account at any time during the year.
During Annual Enrollment:
When you’re ready to enroll during Thursday, October 9 – Thursday, October 23, 2025, go to the Benefits Center and click on the 2026 Annual Enrollment tile. If you prefer, you may also call the Benefits Center at 1-888-60-myBBU (1-888-606-9228) to review and make changes to your benefits. After you log in:
- Click the Get Started button on the homepage under the Annual Enrollment: “Your 2026 Benefits” box.
- On the Get Started tab, follow the prompts to review your dependents who are currently covered and enter information on any dependents you want to add or drop for 2026. During this step you will also need to complete the tobacco status* and spousal surcharge certifications. If you are making changes to your tobacco status or spousal surcharge, you must fully complete and submit your 2026 enrollment for the changes to be applied.
- On the Choose Benefits tab, select the benefit plans and/or coverage levels you’d like to enroll in for 2026 and make sure to click Select. As you move through each benefit from medical to dental, dental to vision, etc. — you can review information on each of the benefits.
- On the Complete Enrollment tab, after you have selected all the benefits you want for 2026, you will have the chance to review your cart and the cost of benefits you selected.** Then, click Complete Enrollment and submit your elections by 11:59 p.m. ET on Thursday, October 23.
- Save or print your confirmation page indicating Enrollment Submitted for your records if you enroll or make changes online. After Annual Enrollment, you will receive a confirmation statement in your home mail in early December detailing your 2026 benefit elections. Elections and changes made during Annual Enrollment will be effective January 1, 2026. Any discrepancies that you see your confirmation statement must be reported to the Benefits Center for review as soon as possible.
*Your tobacco status is used to determine your contributions for Critical Illness and Supplemental Life Insurance.
**Please note: Any Wellness Screening discounts will not be applied to the cost of benefits at Annual Enrollment. The discount will be visible on your confirmation statement, which is sent by early December.
After Annual Enrollment:
You will receive a confirmation statement in your home mail in early December detailing your 2026 benefit elections and reflecting your 2026 medical plan premium discounts. Elections and changes made during Annual Enrollment will be effective January 1, 2026. If you are newly enrolled in the Standard HSA or Enhanced HSA, or a Flexible Spending Account, you will receive a welcome kit from HealthEquity later this year. All associates enrolled in a Company medical plan will receive a new medical/prescription drug ID card for 2026. Discrepancies with confirmation statements should be reported to the Benefits Center immediately.