Your 2026 benefits
What's different from last year, in three lines.
The good parts, up front.
Find the one that sounds like you. It points to a plan, and Amanda confirms it.
“I'm healthy and barely see a doctor. I'd rather keep my premium low and stack tax-free savings.”
“I see the doctor a few times a year. I want predictable copays and my specialist in-network.”
“We've got two kids and a lot of visits. Low deductibles matter more to us than the premium.”
Three plans, real per-paycheck costs. Amanda flags the best fit for most people.
| HDHP Saver | BEST FIT · 93% MATCHPPO Standard | PPO Plus | |
|---|---|---|---|
| Your costs | |||
| Per paycheck employee only | $84 | $129 | $176 |
| Deductible | $3,300 | $1,500 | $750 |
| Out-of-pocket max | $6,500 | $4,500 | $3,000 |
| In-network care | |||
| Primary care visit | Deductible | $30 copay | $20 copay |
| Specialist visit | Deductible | $60 copay | $40 copay |
| Coinsurance | 20% | 20% | 10% |
| Extras | |||
| Employer HSA / FSA | +$600 HSA | FSA eligible | FSA eligible |
| Est. yearly cost premium + typical use | $2,184 | $3,354 | $4,576 |
Out-of-network care costs more. You’ll pay the balance above what the plan allows, and it doesn’t count toward your in-network limits. Amanda can check whether a specific doctor is in-network before you book.
Two cleanings a year covered 100%, plus fillings and orthodontia.
Annual eye exam, plus an allowance toward glasses or contacts.
Employer-paid coverage at 1× salary, with options to add more.
Income protection if you can't work, short- and long-term.
Accident, critical illness, and hospital plans, a few dollars a check.
EAP, mental health support, and wellness rewards, no cost to you.
Real people, on your side
A team that already knows your plan
Amanda answers questions, finds savings, and sorts out problems all year. No call centers, no hold music.
Ask anything about your plan. She finds in-network doctors, prices procedures, catches billing errors, and drafts disputes. She never sees your claims.
Cheaper generics, 90-day mail order, the lowest price on every prescription, before you reach the counter.
Unclaimed HSA match, free preventive care, expiring FSA dollars, found and claimed for you.
New baby, new job, or COBRA, the transitions are handled on time, with nothing to chase.
You ask. Amanda reads your plan, prices in-network care, and books it or fights the bill. You never make the calls.
“Is my knee MRI covered?” Type or talk, any time.
Answers from your real plan: deductible, network, tier. Never your claims.
Nearby in-network doctors, ranked by quality and the real price, side by side, before you book.
She schedules the appointment, or writes the billing-error appeal for you to send. Done.
Pick the HDHP and you get an HSA: the only account that's tax-free three times over.
The HDHP looks pricier per paycheck until you count the $600 the company puts in your HSA. Then Amanda keeps finding more all year.
That's $25 a paycheck back in your pocket, before you spend a dollar on care.
Same knee MRI, same quality, in-network. Amanda priced it before you booked, then handled the referral.
No single plan wins for everyone. Here's the total for three kinds of year, cheapest flagged.
A healthy yearCheckups, a refill or two, nothing unexpected
A new babyPrenatal care, delivery, and a first year of visits
A chronic conditionOngoing specialist care and a monthly prescription
Estimates include premiums plus typical in-network spend for each scenario, capped at each plan's out-of-pocket max; HDHP totals net the $600 employer HSA. Illustrative, not a quote.
Open your branded site from the QR code or the link in your email.
Your counselor ranks every plan for how you actually use care.
See your real per-paycheck cost, then sign. That's it, you're enrolled.
before you enroll.
What the benefits words actually mean.
What you pay for care before the plan starts chipping in.
You pay the first $1,500 of the year; then the plan starts sharing costs.A flat fee for a visit or prescription, like $25 to see the doctor.
Strep test at urgent care: you hand over $25, the plan covers the rest.Your share of a bill after the deductible, usually a percentage.
A $2,000 MRI at 20% coinsurance: you pay $400, the plan pays $1,600.The most you'll pay in a year. After it, the plan covers 100%.
Hit $6,000 in a rough year, and every covered dollar after is on the plan.What comes out of your paycheck to have the plan, before any care.
$95 comes out each paycheck whether you see a doctor that month or not.Doctors who agreed to your plan's rates. Cheaper for you.
Same knee X-ray: $180 in-network vs. $520 out. Check before you book.A tax-free account for medical costs. Yours to keep, forever.
Set aside $200 a month pre-tax; unspent balance rolls over and stays yours.The plan's list of covered prescriptions, sorted into price tiers.
Generic Tier 1: $10. Brand-name Tier 3: $60. Ask your doctor for the cheaper tier.Save these, or just ask Amanda first.
PPO Standard
$30 PCP copay · $1,500 deductible · broad network. The plan most of your teammates choose.
Scan to open your branded enrollment site and meet your counselor.
Choose the HDHP and the company adds $600 to your tax-free HSA. Yours to keep, every year.
Your 2026 benefits
