2026 Open Enrollment

Changes that can be made during Open Enrollment

Health Insurance: You can change which plan you are enrolled in, add or remove dependents, opt-out of coverage, and change the tax treatment of your insurance premium cost to be deducted from your paycheck before or after tax.

Flexible Spending Account (FSA): You can enroll in FSA. If you are already participating and want to roll over funds you haven’t used into the new plan year, you will need to re-enroll.

Life Insurance: Looking to adjust your life insurance coverage? Maybe you want to add AD&D insurance. Well now’s the time to do that! You can adjust the amounts of coverage and who the coverage is for right now during Open Enrollment.

Modified Benefit Option (MBO): Eligible employees can enroll/unenroll in MBO during OE. To streamline the process, we’ve created a new online form employees can use to update their MBO selection. Enrollments/unenrollment will only be accepted through the online form during Open Enrollment.

2026-27 Benefits Highlights

Beneficiaries:
Now’s a great time to ensure your beneficiaries are all up to date! Login to EMACS today to review your Last Warrant and Life Insurance beneficiaries. Make changes to your SBCERA beneficiaries by completing their beneficiary form and your Voya beneficiaries by logging into your online Voya account.

Save smart with Flexible Spending Account (FSA):
Maximize your savings with the increased FSA contribution limit of $3,400. You can also choose to re-enroll in FSA during 2026 Open Enrollment and roll over up to $680 of unused funds into the next plan year. Use FSA funds for essentials like first aid kits and high-tech health tools, such as wearable health and activity trackers.

More to Love: Medical & Dental Special Programs: Take advantage of our carrier’s special programs, such as Delta Dental’s SmileWay, which supports preventive care, Blue Shield’s Care Management program for personalized health support, and Kaiser’s free access to Calm and Headspace for stress relief, better sleep, and overall well-being.

Prioritize Your Wellbeing with our Wellness Program:
Explore all the wellness benefits available to you with Wellable’s Steps to Success platform and mobile app. Sign up for Wellable. Also, check out the San Bernardino County Wellness App with tons of great wellness resources.