Open Enrollment 2026

What You Need To Know

Explore 2026 plan changes, review your enrollment checklist, and enroll by November 24.

What’s New for 2026

Medical Plan Changes

BCBS Medical Plan Updates

Change to Out-of-Network Reimbursements

BCBS plans will adopt the 300% of Medicare Rate as the cost basis used to determine reimbursements to out-of-network providers. The adoption of the cost basis helps to manage plan costs while aligning with industry practice. This means that if you use out-of-network providers, you could be responsible for greater costs than you do now by having to pay the difference between what the provider bills and the maximum reimbursement the plan pays.

Additional Enhancements New for 2026

Expanded Breast Cancer Screenings at No Cost
Substance Use Recovery Coaching through Aware Recovery
Short-Term Rehab for Down Syndrome Patients with No Visit Limit

Use One Medical for Telemedicine

Beginning January 1, 2026, Blue Cross Blue Shield members can use One Medical exclusively for convenient telemedicine visits as well as in-person care at 100+ offices across the country. Well Connections through BCBS will no longer be offered in 2026.

Find out more

Kaiser Plan

Vision care no longer covered through Kaiser

Routine Vision care services will no longer be covered directly through the Kaiser HMO plan. If vision care coverage is important to you, consider enrolling in VSP for eye care benefits in 2026.

Healthcare Premium Increases

Premium rates for medical plan coverage will increase in 2026: 12.1% for BCBS plans and 4.3% for Kaiser. These increases are necessary to manage future costs.

Premium rates are decreasing for dental in 2026, and vision rates will remain the same for 2026.

Prescription Drug Plan Changes (BCBS Members)

Continue GLP-1 benefits with CVS program

Effective January 1, 2026, BCBS plans are excluding GLP-1 medications from their coverage. However, Goodwin is pleased to help support our employees who are taking these medications by continuing to cover them for BCBS members who enroll in the new CVS lifestyle management program. This program is designed to provide extra support to help you meet your health goals. Learn more about this program.

New Carrier and Decreased Premiums for Voluntary Health Coverages

We are very pleased to share that Prudential will be the Firm’s new carrier for voluntary health benefits, replacing Voya.

With this change, you can expect up to a 20% decrease in 2026 premiums for Hospital, Critical Illness, and Accident insurance plans.

New Commuter Providers and Increased Commuter Limits

For Washington Residents

Beginning in January, transit benefits will be administered directly through the WMATA SmartBenefits program, allowing for a smoother commuting experience. Parking will be administered separately through Inspira, also a new provider.

All Other Locations

Inspira will replace Voya as the administrator of your commuter benefits program beginning January 1, 2026. Current participants in the plan will receive detailed information during Open Enrollment about the transition from Voya to Inspira.

Pretax Commuter Benefit Increase (NY, PA and DC Only)

The monthly transit pretax contribution is increasing from $325 to $340 in 2026. In accordance with local law, employees in these locations may pay for their transit expenses on a pre-tax basis (up to the applicable legal limit).

Caregiver Support Benefits

Turn to Wellthy for family care support

Wellthy will be the primary provider for caregiver support beginning in January 2026. Wellthy will provide family care benefits including support for finding childcare, elder care, or special needs, and can help you find family care support in any capacity, big or small, including care for your parents, grandparents, or even your next-door neighbor who’s just like family.

Wellthy also offers access to Wellthy Community, which provides caregivers with a private space to connect, share experiences, ask questions and exchange knowledge across a range of care topics. Find out more on iNet.

Retirement Plan Contribution Limit Increase

Beginning in 2026, the limit on 401(k) contributions will increase as follows:

Less than Age 50 – $24,500
Age 50 – 59 and over age 63 – $32,500
Age 60 – 63 – $36,000

Contributions can be made on a Tax-Deferred or Roth basis. However, beginning in 2026, employees who will be least age 50 and earn more than $145,000 must make Catch-Up Contributions as Roth contributions.

Goodwin continues to invest in the security of your retirement. Beginning with the 2025 plan year, Goodwin’s profit-sharing contribution formula for eligible employees will increase by 2.5%.

Contribution Increases for Pretax Accounts

Next year, you can contribute more to the following spending accounts:

Health Savings Account (HSA)

In 2026, the maximum amount you can contribute to your HealthEquity HSA is increasing to $4,400 for individuals and $8,750 for families, per IRS guidelines. The catch-up contribution limit if you’re 55 or older remains $1,000. Learn more about HSA and Goodwin’s contribution for eligible employees.

Health Care Flexible Spending Account (FSA)

In 2026, the maximum amount you can contribute to your health care FSA is increasing to $3,400.

Consider your costs for 2026 benefits coverage before you enroll.

View rates

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Enroll Now

Take Action

Be sure to visit iNet for additional information and to review new Open Enrollment materials, review the enrollment checklist, then visit Workday to make your 2026 benefit elections by November 24. While you’re making your benefits decisions on the enrollment site, you will need to enter:

If you are enrolling a new dependent, specific information will be required, including their SSNs. These numbers are required for tax reporting.
Your life insurance beneficiaries.
Your benefits elections. Print and save your confirmation statement, which will be shared with you after you enroll.

Don’t Forget!

You will not have another opportunity to change your benefits elections until the next Open Enrollment period (November 2026), unless you experience a qualifying life event, such as marriage, divorce, childbirth, or child adoption, or loss of coverage. So, be sure to look closely at your benefits offerings, and choose those that’ll maximize your care in the coming year.