What's New in 2026
Important changes to your health benefits for the upcoming year. Review the key updates and compare how your current plan options have evolved.
Compare All PlansKey Changes
New Insurance Carrier
We are transitioning from Cigna to Oxford (UnitedHealthcare) for 2026. This brings new network options and providers.
Two HSA-Eligible Options
For 2026, both Basic A (Liberty HSA) and Basic B (Liberty HSA Plus) are HSA eligible, giving you more choice for tax-advantaged savings.
Lower Out-of-Pocket Maximums
Most 2026 plans have reduced OOP maximums, limiting your maximum potential healthcare spending.
Specialty Drug Changes
New accumulator program rules affect how manufacturer copay assistance applies to your deductible and OOP max.
2026 Plan Options at a Glance
Buy-Up Plan
Oxford Freedom
Value Plan
Oxford Liberty
Basic A - Liberty HSA
Oxford Liberty
Basic B - Metro HSA + HRA
Oxford Metro
Year-Over-Year Plan Comparisons
Basic / HSA Plans
Basic Plan (HRA) → Basic A - Liberty HSA
Year-Over-Year Comparison
Summary
11 changes: 4 increases, 5 decreases.
Buy-Up Plans
Buy-Up Plan → Buy-Up Plan
Year-Over-Year Comparison
Summary
5 changes: 1 increase, 2 decreases.
Value Plans
Value Plan → Value Plan
Year-Over-Year Comparison
Summary
2 changes: .
Ready to Choose Your 2026 Plan?
Use our cost modeling tool to see how much each plan would cost based on your expected healthcare usage.