2025 Open Enrollment

View all the details regarding this year's Open Enrollment (PDF, 5MB)period.

Days until Open Enrollment ENDS

Open Enrollment for 2026 Plans
Open Enrollment starts Wednesday, October 1, 2025, and goes through Wednesday, October 15, 2025, for Plan Year 2026. Don’t miss out on this opportunity to refresh and become reacquainted with all things’ health and wellness at the City of Mesa!

This is the only time during the year when you can make enrollment and plan changes, unless you have a qualifying life event change.

Important Dates to Remember

Open Enrollment and Wellness Benefits Market - Thursday, October 2 at the Mesa Convention Center - 8am-1pm

Get help with online enrollment in the pop-up computer lab - Grab a flu shot - Meet your benefit providers - Enjoy Free Body Composition Testing & Free Chair Massages - Participate in a 30-minute Breathwork class - M.O.M/P.O.P mobile units (with appointments – claims to medical plan) - Grab a bite from local Food and beverage trucks (from 7:30 am) - Sweet GIVEAWAYS and lots of fun!!!

Open Enrollment Period - October 1 through October 15, 2025 - Links WILL NOT be live until 10/1/2025

Effective Date for New or Updated Benefit Elections - January 1, 2026

What is NEW in 2026?

The Standard 

–Basic Life & Accidental Death & Dismemberment Insurance 

–Voluntary Life & Accidental Death & Dismemberment Insurance

–Short Term Disability Insurance

What’s changing in Medical Plans in 2026?

-Premium rates

- In-network Basic/Choice Plan deductibles ($550/$1,650; $300/$900)

- Medical MOOP’s – Basic Plan: $4,500/$9,000; Choice Plan: $3,000/$6,000; Copay Plan: $4,600/$9,200

-Most copays: Basic Plan Specialist Office Visit (OV) copay: $30 (PCP OV $20 - no change!)

-In-Network Global Maternity Provider Fee $400 all plans

- Copay Plan: OV Copay - $25 PCP/$50 Specialist; $30 Rehabilitation Therapy visits (PT, OT, ST, Chiropractic); $60 Urgent Care; $200 Emergency Room; $250 Outpatient facility charge; $400 Inpatient facility charge

Prescription Drug RX Changes

One new RX plan design for all medical plans!

-Continued no RX deductibles

-Consolidated mins, maxs, and coinsurance by channel/tier: Retail 30, Retail 90/Mail Order and Specialty Drugs  

-Increased RX out-of-pocket maximums: $4,000 per person/$8,000 per family

Rate Changes

Medical Plan Premium Increases for 2026 Active employees and families:

Plan and single/family tier of coverage determine increases - range from $9 to $73 per month increase

Retirees and families: Plan, single/family tier of coverage and Medicare eligibility determine increases - range from $0 to $86 per month increase

Increased Healthcare Flexible Spending Account (FSA) Limits and Rollover Amount

The Health FSA annual limit (determined by the IRS) is increasing from $3,200 to $3,300, so you’ll be able to set aside even more money from your paycheck before taxes are taken out to pay for eligible medical expenses. Your rollover at the end of the plan year will increase from $640 to $660.

The Dependent Care FSA annual limit has increased to $3,750/$7,500.

Vision Care Plans with VSP

Same benefit levels with small rate increases on richer 2 of 3 Plan options  

Voluntary Life/ADD with The Standard (new!)

Maintained or reduced prices for employees

Coverage maximums and Guarantee Issue (GI) increases: Employee - up to $1 million with $300,000 GI

Spouse/Committed Partner – up to $500,000 with GI up to $50,000  

Children – up to $20,000 and GI

Short Term Disability Insurance with The Standard (new!)  Same 3 plan design options: 14/29/44 day waiting periods - Reduced unit prices  

Annual Housekeeping Reminders

Dependent Eligibility

During Open Enrollment, make sure you remove anyone who is no longer eligible for coverage – or anyone who may be eligible, but for whom you no longer need/want the City’s coverage. This is your chance to evaluate options/rules, correct any mistakes or oversights and make the best choices for you, your family and the City’s plans. Continuing to ensure someone who is not eligible creates a liability for both you and the health plan. Please take the time to review eligibility rules (located in the 2026 Plan Document and 2026 Open Enrollment Benefit Guide) for covering legal spouses, committed partners, natural, adopted, step, foster and legal guardianship children and totally disabled adult children.

Flexible Spending Accounts (FSA) for Dependent and Healthcare Reminder - Re-enroll, Re-enroll, Re-enroll! 

You must enroll or re-enroll in your healthcare or dependent care FSA every year.  If you don’t re-enroll during the open enrollment period using the eBenMesa application, you will not have an FSA account for 2026. More importantly, if you don’t re-enroll and have up to $640 roll-over funds remaining in your Health FSA Account from 2025, you will forfeit those funds.

Marriage. Divorce. Death. Beneficiaries

Have you experienced any major life events recently? If so, your current beneficiary choices – who will inherit your life insurance – may no longer be current. You’ll see lots of information about Life Insurance, Accidental Death and Dismemberment Insurance and Business Travel Accident/Commuter Travel Accident Insurance in the Plan Document and Open Enrollment Benefits Workbook. If you are eligible for any of these coverages and even if you don’t need to make changes to these benefits during open enrollment, do take a moment to review your beneficiaries and make updates if needed. This protects both you and your beneficiaries’ rights under these various insurance programs. Remember, you can make beneficiary changes at any time throughout the year, but at least annually during Open Enrollment, please review your beneficiaries.