Open Enrollment
2025 Open Enrollment
November 1 - 23, 2025
Take action by 11:59 p.m. on Nov. 23, 2025
Review the Open Enrollment ChecklistDuring Open Enrollment you may enroll in, cancel or make changes to your current benefit elections to be effective on 1/1/2026. You can also enroll or re-enroll in the Flexible Spending Account program for 2026.
In the attached document you will find a summary of the changes that will occur in 2026 and instructions for enrolling and/or making changes to your current benefit elections.
Sarah Dorathy, Employee Benefit Administrator, will also be available to answer questions about open enrollment during campus visits on November 6 at CCC, November 13 at MCC, and November 20 at SCC.
Don’t forget to take action by November 23 at 11:59 p.m. and please review the Open Enrollment Checklist.
Should you have any questions, please contact:
Sarah Dorathy, Employee Benefit Specialist
2026 Benefit Plan Information
Detailed Plan Benefit Summaries, Coverage Manuals (SPDs), Accident and Critical Illness Summaries & costs, Voluntary Life Summaries & costs, Enrollment/Change forms, and MORE can be found on EICConnect.
We’re also excited to use EICConnect to get you up-to-date information. You can go directly to: liveeicc.sharepoint.com/sites/HumanResources. You can also log into EICConnect and follow this path: Faculty/Staff Services > Human Resources > Benefits.
2026 IRS limits
Health Savings Account Health Savings Account (HSA) limits:
- $4,400 single coverage
- $8,750 family coverage
- Additional $1,000 if 55 +
Flexible Spending Account – Employee Benefits Systems (EBS) 2026 limits:
- Medical Reimbursement limit is $3,400
- Dependent Care limit $7,500
- Limited Purpose Flex Spending limit is $3,400
Retirement account limits:
- TIAA 457 Retirement Plan: The 457(b) Plan provides you with an opportunity to defer compensation on a pretax
basis to prepare for retirement.
- Regular Contribution Limit $24,500
- Ages 50 - 59 and 64+ Catch Up Limit $8,000
- Ages 60 - 63 "super" catch up $36,000
- 403(b) Plan Iowa Retirement Investors’ Club (RIC)
- This 403b Plan through RIC is an employer-sponsored supplemental retirement savings benefit that provides an easy way for you to further save for your retirement.
- Regular contribution limit is $24,500
- Ages 50 - 59 and 64+ Catch Up Limit $8,000
- Ages 60 - 63 "super" catch-up $36,000
To Dos
- Review your current elections – review your latest pay stub or contact Human Resources if you are unsure of what you are currently enrolled in or who you have covered on your plan(s).
- Review the plan-specific enrollment instructions.
- Complete all enrollments and changes by Sunday, 11/23/2025 at 11:59 p.m.
- Changes will be effective 1/1/2026. Review the deductions on your first paycheck in January (1/1/2026) for accuracy.
Life Events
Make sure to notify HR when changes happen, suchas a marriage, divorce or a new baby. These are qualifying events that allow changes to your benefit elections outside of Open Enrollment. You have a limited window to make changes so make sure to notify Human Resources right away.
Open Enrollment Checklist
Medical, Dental & Vision Insurance
- To Enroll for 2026: Visit your Current Benefits page.
Flexible Spending Account (FSA)
- To Enroll for 2026: Visit your Current Benefits page. Please note: if you are currently participating in the FSA for year 2025, your enrollment will end effective 12/31/2025 and you must re-enroll for 2026 if interested in continuing.
- Reminders for 2025 participants
- Don’t forget to submit claims for reimbursement for the 205 plan year, deadline is 03/31/2026. Please submit to EBS.
- Contact EBS at (800) 373-1327 if you need to check your balance or for help in submitting claims for reimbursement.
Voluntary Life Insurance
- To Enroll, Cancel or Make Changes: Visit your Current Benefits page.
- Opportunity to elect Voluntary Life Insurance up to guarantee issue. Effective date of new elections are 1/1/2026. You may elect up to $200,000 (employee) voluntary life and up to $50,000 (spouse) voluntary life.
Accident and/or Critical Illness Insurance
- To Enroll: Visit your Current Benefits page.
Supplemental Retirement Accounts
- 403B Plan: You can enroll in the 403B plan any time of the year. The 2026 annual contribution limit is $24,500 . Please review the information attached to the email and take advantage of this additional retirement plan. Click here to access the link to the 403b enrollment form on EICConnect.
- 457B: The 2026 annual contribution limit is $24,500 . Click here to access the link to the 457b enrollment form on EICConnect.
Beneficiary Information, Contact Information, Withholding Information
- Now is also a good time to review who you have listed as a beneficiary for your life insurance and retirement plans.
- Have you experienced a life change? Perhaps you wish to update your federal and/or state withholdings due to a marriage, birth, etc. Forms can be downloaded from EICConnect and submitted to Human Resources.
What Happens if You Do Nothing at this Time?
The benefit(s) you have previously elected (i.e. were in effect on 12/31/2025) will carry over into the new calendar year as is – except FSAs which require a new election if you wish to continue.
Questions?