[ ENROLLMENT ]

WHAT'S NEW FOR 2026

Annual Enrollment is your opportunity to review what’s changing for next year and make changes or elect new coverage. Even if you like your current plans, it’s important to consider your options and needs, so you have the coverage you need for next year.

Be sure to enroll Nov. 3 – Nov. 14, 2025, for BCU coverage in 2026. If you do not make changes by Nov. 14, 2025, your current benefit elections will carry over into 2026, except for Flexible Spending Account (FSA) and Health Savings Account (HSA) participation. Those spending accounts require an active election each year.

We are introducing Cylinder, a no-cost virtual digestive health program.

Beginning Jan. 1, 2026, Cylinder will offer no-cost digestive health support for all employees and covered dependents age 18 and older who are enrolled in a BCU medical plan. Cylinder experts provide relief from gut issues such as bloating, gas, heartburn, chronic conditions like IBS and more. Through Cylinder, you’ll receive:

  • The GutCheck microbiome home test kit and analysis
  • Unlimited virtual access to dedicated Registered Dieticians and Health Coaches
  • Better overall physical and emotional wellbeing

Review the member flyer and enrollment flyer for details.

We continue to offer Whole Life with Long-Term Care Insurance from Allstate.

This life insurance policy guarantees a benefit upon death and offers long-term care insurance with two kinds of assistance, either in a nursing or other care facility, or at home. It provides supplemental coverage to help care for you or a loved one beyond the care your medical plan may provide. Get highlights of this plan and see 2026 rates before you enroll.

We are expanding CVS Caremark prescription drug coverage to include the CVS Weight Management Program.

Beginning Jan. 1, 2026, this program will provide customized support to help you achieve lasting results along your weight loss journey. Reach your healthy weight goals with:

  • One-on-one support with a team of clinicians, providers and registered dieticians
  • A personalized nutrition plan, tailored to meet your needs
  • A connected body weight scale and other devices to help you stay on track and monitor your progress
  • Access to the Health Optimizer mobile app that provides helpful guides, resources goal-setting support and more

Review the CVS Weight Management Program flyer and FAQs. If you are currently prescribed GLP-1 medications for weight management, you may receive additional information from CVS Caremark.

The deductible and out-of-pocket maximum for the PPO Plan are increasing.

The annual deductible is increasing to $750 for Individual coverage and to $1,500 for Family coverage. The out-of-pocket maximum is increasing to $3,500 for Individual coverage and $7,000 for Family coverage. See medical plan details here.

The copay for Emergency Room visits is increasing for the PPO Plan.

The ER copay is increasing to $250 for the PPO Plan but will be waived if you are admitted to the hospital. See medical plan details here.

Employee contribution rates for both medical plans are increasing.

In line with increasing health care costs nationwide, BCU remains committed to containing costs while providing you and your family access to affordable, high-quality coverage and care.

You can view the contributions effective Jan. 1, 2026, as well as current year (2025) contributions here.

Employee contribution rates for all three dental plans are increasing.

Contributions for the Basic Plan, Enhanced Plan and DHMO Plan are increasing in 2026.

You can view the contributions effective Jan. 1, 2026, as well as current year (2025) contributions here.

Contribution limits for the Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) are increasing.

HSA: The combined limit for HSA contributions in 2026, both yours and the company’s, is increasing to $4,400 for employee-only coverage and $8,750 for all other coverage levels. If you’re age 55 or over, you can make an additional catchup contribution of $1,000.

Review the Health Savings Account page for details.

FSAs: The 2026 IRS contribution limit to the Health Care FSA is increasing to $3,400. The Dependent Care FSA contribution limit is also increasing to $7,500 ($3,750 if married and filing separately).

Review the Flexible Spending Account page for details.

Commuter: The 2026 IRS contribution limit to the Commuter FSA is increasing to $340 per month. Review the Flexible Spending Account page for details.