2026 Employee Benefits Modification Summary
The following material provided a summarized overview of notable employee benefit adjustments for the 2026 plan year.
Benefit Broker
Change from Dillingham Benefits to Summit Financial Group
Medical
Base plan deductible for individual’s increased from $3,300 in 2025 to $3,400 for 2026.
Base plan deductible for families increased from $6,600 in 2025 to $6,800 for 2026.
Buy Up plan deductible-no change ($500 individual/$1500 families)
Dental
No changes made going into the 2025 year.
Vision
Provider change from SunLife (2025) to Mutual of Omaha (2026)
Allowance: Contact lenses $130 + 15% off balance
Accident
Provider change from SunLife (2025) to Mutual of Omaha (2026)
Various allowance changes per incident type - See Plan page for details.
Critical Illness
Provider change from SunLife (2025) to Mutual of Omaha (2026)
No other changes made going into the 2026 plan year.
Hospital Indemnity
Provider change from SunLife (2025) to Mutual of Omaha (2026)
Additional Feature - $100 per hospital Admission Express Benefit
Health Savings Account (HSA)
Individual contribution limit increased from $4,3000 in 2025 to $4,400 for 2026.
Family contribution limit increased from $8,550 in 2025 to $8,750 for 2026.
Flexible Spending Accounts (FSAs)
Healthcare FSA individual contribution limit increased from $3,300 in 2025 to $3,400 for 2025.
Life Insurance and Accidental Death & Dismemberment (AD&D)
Provider change from SunLife (2025) to Mutual of Omaha (2026)
Retirement 401(k)
Individual contribution limit increased from $23,500 in 2025 to $24,500 in 2026.
Catch-up contribution limit: $8,000 (age 50-59 or 64+)
Catch-up contribution limit: $11,250 (age 60-63)
Total contribution limit: $32,500 (Age 50-59 or 64+), $35,750 (age 60-63)
Benefits Portal
Provider change from Maxwell Health to Employee Navigator
Employee Benefits Website
All plans updated with 2026 data
2025 Employee Benefits Modification Summary
The following material provided a summarized overview of notable employee benefit adjustments for the 2025 plan year.
Medical
Base plan deductible for individual’s increased from $3,200 in 2024 to $3,300 for 2025.
Base plan deductible for families increased from $9,600 in 2024 to $6,600 for 2025.
Dental
No changes made going into the 2025 year.
Vision
No changes made going into the 2025 plan year.
Accident
No changes made going into the 2025 plan year.
Critical Illness
No changes made going into the 2025 plan year.
Hospital Indemnity
No changes made going into the 2025 plan year.
Health Savings Account (HSA)
Moving from Health Equity to Employee Benefits Corporation for HSA Administration.
Individual contribution limit increased from $4,150 in 2024 to $4,300 for 2025.
Family contribution limit increased from $8,3000 in 2024 to $8,550 for 2025.
Flexible Spending Accounts (FSAs)
Moving from WageWorks to Employee Benefits Corporation for FSA Administration.
Healthcare FSA individual contribution limit increased from $3,200 in 2024 to $3,300 for 2024.
Life Insurance and Accidental Death & Dismemberment (AD&D)
No changes made going into the 2025 plan year.
Retirement 401(k)
Individual contribution limit increased from $23,000 in 2024 to $23,500 in 2025.
Catch-up contribution limit: $7,500 (age 50-59 or 64+)
Catch-up contribution limit: $11,250 (age 60-63)
Total contribution limit: $31,000 (Age 50-59 or 64+), $34,750 (age 60-63)
Maxwell Health
No changes made going into the 2025 plan year.
Employee Benefits Website
All plans updated with 2025 data.
2024 Employee Benefits Modification Summary
The following material provided a summarized overview of notable employee benefit adjustments for the 2024 plan year.
Medical
Base plan deductible for individual’s increased from $3,000 in 2023 to $3,200 for 2024.
Base plan deductible for families increased from $9,000 in 2023 to $9,600 for 2024.
Dental
No changes made going into the 2024 year.
Vision
No changes made going into the 2024 plan year.
Accident
No changes made going into the 2024 plan year.
Critical Illness
No changes made going into the 2024 plan year.
Hospital Indemnity
No changes made going into the 2024 plan year.
Health Savings Account (HSA)
Individual contribution limit increased from $3,850 in 2023 to $4,150 for 2024.
Family contribution limit increased from $7,750 in 2023 to $8,300 for 2024.
Flexible Spending Accounts (FSAs)
Healthcare FSA individual contribution limit increased from $3,050 in 2023 to $3,200 for 2024.
Life Insurance and Accidental Death & Dismemberment (AD&D)
No changes made going into the 2024 plan year.
Retirement 401(k)
Individual contribution limit increased from $22,500 in 2023 to $23,000 in 2024.
Maxwell Health
No changes made going into the 2024 plan year.
Employee Benefits Website
All plans updated with 2024 data.
2023 Employee Benefits Modification Summary
The following material provided a summarized overview of notable employee benefit adjustments for the 2023 plan year.
Medical
Base plan deductible for individual’s increased from $2,900 in 2022 to $3,000 for 2023.
Base plan deductible for families increased from $8,700 in 2022 to $9,000 for 2023.
Dental
No changes made going into the 2023 year.
Vision
No changes made going into the 2023 plan year.
Accident
No changes made going into the 2023 plan year.
Critical Illness
No changes made going into the 2023 plan year.
Hospital Indemnity
No changes made going into the 2023 plan year.
Health Savings Account (HSA)
Individual contribution limit increased from $3,650 in 2022 to $3,850 for 2023.
Flexible Spending Accounts (FSAs)
Healthcare FSA individual contribution limit increased from $2,850 in 2022 to $3,050 for 2023.
Life Insurance and Accidental Death & Dismemberment (AD&D)
No changes made going into the 2023 plan year.
Retirement 401(k)
Individual contribution limit increased from $20,500 in 2022 to $22,500 in 2023.
Maxwell Health
No changes made going into the 2023 plan year.
Employee Benefits Website
All plans updated with 2023 data.
2022 Employee Benefits Modification Summary
The following material provided a summarized overview of notable employee benefit adjustments for the 2022 plan year.
Medical
Base plan deductible for individual’s increased from $2,800 in 2021 to $2,900 for 2022.
Base plan deductible for families increased from $8,400 in 2021 to $8,700 for 2022.
Dental
No changes made going into the 2022 plan year.
Vision
No changes made going into the 2022 plan year.
Accident
No changes made going into the 2022 plan year.
Critical Illness
No changes made going into the 2022 plan year.
Hospital Indemnity (New)
Newly offered benefit.
Health Savings Account (HSA)
Individual contribution limit increased from $3,600 in 2021 to $3,650 for 2022.
Flexible Spending Accounts (FSAs)
Healthcare FSA individual contribution limit increased from $2,750 in 2021 to $2,850 for 2022.
Life Insurance and Accidental Death & Dismemberment (AD&D)
Provider for Group and Voluntary Term Life and AD&D changed from Mutual of Omaha in 2021 to Sun Life in 2022.
As a result of the provider change, Evidence of Insurability (EoI) forms may need to be completed by employees requesting over $50,000 of coverage and for spouses with requests over $25,000 of coverage.
Retirement 401(k)
Individual contribution limit increased from $19,500 in 2021 to $20,500 in 2022.
Further details on Loan and Hardship Distributions described, with addition of new 401(k) Hardship Distribution Request form.
Maxwell Health
The benefit enrollment email template that is submitted once elections are approved by an administrator is updated to include a link to the COBRA Election Notice, with followup notice coming from COBRA Administrator later.
Improvements to new hire enrollment periods being assigned with the correct information automatically.
Employee Benefits Website
Plan breakdown spreadsheet images replaced with integrated drop-down menus to allow employees control over the specific amount of content they want shown on-screen and providing general performance improvements for website operations.