2026 Premiums
New for 2026!
| Rula Mental Health | PerkSpot Discount Program |
We have teamed up with Rula to provide in-network mental health support as of October 1st! Rula’s booking platform lets you schedule appointments within 3 minutes and meet with a provider via live video as soon as the next day. Visits apply to deductible and co-insurance if you are enrolled on the medical plans. If you are not on the KH medical plans, you can still use Rula to find in-network providers by entering in your insurance information.
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Coming Soon! We have partnered with PerkSpot to offer their exclusive discount program starting in early 2026. PerkSpot is free and gives you access to exclusive discounts and rewards from categories like electronics, travel, home goods, pet insurance, fitness, and health services. More information on this benefit will be shared and posted the Benefits page on KHnet in the coming months. |
2026 Plan Documents
| Medical
Carrier: Cigna |
Dental
Carrier: Delta Dental |
Vision
Carrier: EyeMed |
Cigna Plan Comparison Tool – Click here for a tool that helps you compare which medical plan is best for you! Access Codes
98point6 text-based primary care will continue to be available at no cost for employees and dependents over age 1 on the medical plans. |
Remember, you can still see your Dentist even if they are considered out-of-network with likely little change in cost. If you use an out-of-network dentist, 100% of reasonable and customary costs are covered as long as your dentist’s fees are no higher than the 90th percentile in your area (deductible and co-insurance still apply for basic and major services). If your dentist’s fees are higher than the 90th percentile, you will be responsible for the difference.
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Supplemental Medical Plans Carrier: Unum |
Voluntary Life Insurance & EAP Carrier: Unum |
| Accident Insurance
Accident insurance pays you directly to help cover out-of-pocket expenses if you experience an accidental injury that requires medical attention. You can use these funds for co-insurance, deductibles, personal bills—anything not covered by your medical plan. Your family may be a good candidate for this insurance if your child plays organized sports or you enjoy an active outdoor lifestyle.
Critical Illness Insurance Critical Illness Insurance pays a benefit directly to you upon new diagnosis of a covered health event. Examples of covered health events include cancer, heart attack, stroke, Alzheimer’s, Parkinsons, ALS, MS and more. Like the accident insurance, you can use this payment for co-insurance, deductibles, personal bills, or any other uncovered expenses. If you have a family history of one of the covered health events, you may be a good candidate for this coverage. Similar to supplemental life insurance, critical illness insurance premiums are dependent on the level of coverage and the age of the employee. Kimley-Horn offers three tiers of coverage – $10,000, $20,000, or $30,000. Rates can be found on KHnet.
Hospital Insurance Hospital Insurance offers a fixed amount for hospital admissions and daily confinement. This includes time spent in the hospital for birth of a baby. These funds can also be applied to co-insurance, deductibles, personal bills, or any costs not covered by your medical plan. This coverage may be helpful if you are planning to have a baby this year or are planning to have surgery. |
EAP Employees and their families will continue to have access to confidential counseling, work/life resources, referrals, and webinars through our EAP. The Unum EAP will also offer five free visits with a licensed professional counselor. Services through the Unum EAP begin on January 1, 2025. Life Insurance The threshold for which coverage elections require medical review is below and if you do not change your current coverage, you do not have to go through medical review. Underwriting is completed in UKG Pro under Benefits > Evidence of Insurability. The following Voluntary Employee Life Insurance elections during Open Enrollment require medical underwriting:
The following Voluntary Spouse/Domestic Partner Life Insuranceelections during Open Enrollment require medical underwriting:
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2026 Limit Increases
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Health Savings Account (HSA) Carrier: HealthEquity |
Dependent Care FSA (DCFSA) Carrier: Clarity Benefit Solutions |
| The IRS increased the Health Savings Account (HSA) contribution limits to $4,400 for employee-only coverage and $8,750 for family. There continues to be a $1,000 catch-up available for those aged 55+. | The IRS has increased the annual maximum you can contribute to a Dependent Care Flexible Spending Account in 2026 from $5,000 to $7,500.*
* The Dependent Care FSA continues to be subject to annual discrimination testing which may result in a mandatory reduction to contributions for highly compensated employees. |
Have a question?
- Email the Benefits Team