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Open Enrollment for your 2026 benefits begins November 3 and ends November 14. This is your annual opportunity to take a closer look at your current coverage, explore the benefit options we make available to you, and decide which plans work best to meet your needs and budget.

At Belkin, we are here to support you and your family with the benefits we offer. Our comprehensive, competitive programs are designed to give you the freedom to choose the benefits and coverages that fit your unique needs. As part of our ongoing strategy to provide comprehensive, competitive, and financially responsible benefits, we’ll be making the following changes for 2026.

Benefit What’s changing for 2026 – effective January 1, 2026
Medical
  • There will be a small increase in the per pay period contributions for all our medical plans.
  • Cigna OAP with HSA and Cigna OAP plans: There will be a slight prescription drug formulary change to these plans. The new formulary for these plans is the Value Formulary.
  • Cigna OAP with HSA plan: Due to IRS requirements for HSA-qualified plans, the family deductible for the Cigna OAP with HSA will increase from $3,300 to $3,400.
  • Cigna OAP plan:
    • ­Deductible will increase to $750 Individual / $2,250 Family (in-network) and $1,500 Individual / $4,500 Family (out-of-network).
    • ­Out-of-pocket maximum will increase to $3,750 Individual / $7,500 Family (in-network) and $7,500 Individual / $15,000 Family (out-of-network).
    • ­Primary care copay will increase to $25.
Dental

There will be a slight increase in the per pay period contributions for our Delta Dental PPO Plan. 

Vision
  • The VSP provider network is changing to the Choice Network, which includes the same in-network providers as the current Signature Network. However, out-of-network reimbursements will be lower, so it will be important to remain in-network to make the most of your plan benefits.
  • The in-network eyeglasses benefit is being enhanced; the frame allowance will increase to $180.
Optional Life Insurance

This Open Enrollment only, New York Life is offering a one-time opportunity to enroll in or increase Optional Life Insurance coverage, up to the following amounts without needing to provide Evidence of Insurability (EOI), or proof of good health:

  • Employee coverage: Up to $200,000 without EOI
  • Spouse/Domestic Partner coverage: Up to $30,000 without EOI
Health Savings Account (HSA)

The HSA contribution limit will increase to $4,400 for employee-only coverage and $8,750 if you cover dependents. 

The HSA is pre-tax federally in all states. HSA is pre-tax on a state tax basis in all states, except California and New Jersey.
Flexible Spending Accounts (FSAs)

Contribution limits for the Health Care and Limited Purpose FSA will increase to $3,400. The amount of unused funds you can roll over to the next plan year will increase to $680.
Legal Plan Belkin’s Group Legal Plan will move from ARAG to LegalEASE, resulting in lower premiums and access to a broader network of attorneys, including additional banks of hours for post-decree and non-covered matters. The LegalEASE legal plan will cover services such as the sale or purchase of a residence, wills, trusts, estate administration, traffic offenses, divorce, immigration matters, and more.
Retirement The maximum deferral contribution for 2026 is $24,500. If you will be age 50 or older in 2026, you may also make "catch-up" contributions of up to $8,000.
Do you need to enroll?

If you don’t enroll, your current benefit elections will continue next year, with the exception of Flexible Spending Accounts (FSAs) and Health Savings Account (HSA) contributions. You must take action if you want to contribute to an FSA or HSA in 2026.

Your enrollment checklist

Use this checklist to make the most of your Open Enrollment opportunity:

  • Learn about your benefit options, paying special attention to the changes coming next year.
  • Think about your coverage needs, including how much health care you anticipate needing and whether your current life and disability insurance provides enough protection.
  • Make sure your dependent information is correct and all your dependents are still eligible.
  • Update your FSA enrollment and/or HSA contribution amount — they don’t carry over to the next year.
  • Review your beneficiaries — it’s a good idea to review your beneficiary information (especially if your personal circumstances have changed) and make updates as needed.
  • Complete your benefits enrollment by November 14.
TIP: Think about the whole cost.

When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).