Retiree Open Enrollment

Open Enrollment has ended

Starting on: Wednesday, October 22nd

Ending: Wednesday, November 12th

Open enrollment is your annual opportunity to add or remove dependents and/or change your insurance plans for the upcoming year.

Changes made during this period are effective on January 1, 2026. 

Plan Comparison Charts for 2026

• Document

  2026 Medical Plan Comparison Chart (165.59 KB)
• Document

  2026 Dental Plan Comparison Chart (90.64 KB)
• Document

  2026 Kaiser Senior Advantage Plan Summary.pdf (221.22 KB)

2026 Medical/Dental Costs

• Document

  2026 Retiree Medical and Dental Costs (159.98 KB)
• Document

  2026 Retiree Medical and Dental costs - ONA (161.89 KB)

Open Enrollment Forms

• Document

  OE 2026 Retiree Enrollment Change Form (207.6 KB)

  • If adding a Spouse/Domestic Partner you must submit an: 

    Document

    Affidavit of Marriage-Domestic Partnership (374.37 KB)

2026 Plan Changes

Premium Cost Changes:

• Moda Medical Plans: +9.8%
• Kaiser Medical Plans: +7.7%
• Kaiser Senior Advantage: +6.7%
• Delta Dental 50: +8.3%
• Kaiser Dental 15: +8.4%
• Willamette Dental: +2.5%

Moda Medical Plans:

• Naturopathic claims will be processed the same as a primary care provider, regardless of if the provider is credentialed as a primary care provider.
• Physical therapy no longer requires a medical necessity review after the member has more than 30 visits.
• Moda Major Medical Plans return to Medicare Part D creditable coverage status. This is relevant for retirees and dependents who are or will become Medicare eligible during the 2026 plan year.

Kaiser Medical Plans:

• No significant benefit or eligibility changes

Kaiser Senior Advantage (KSA):

• Prescriptions - insulin products: The cost share will change from $35 per month or applicable tier cost share to 25% (up to $35 max per month) or applicable tier cost share.
• Medicare will have a $2,100 prescription (Part D) maximum out-of-pocket. Multnomah County's KSA plan has very low co-pays for prescription drugs, so it is highly unlikely that any retirees will be impacted by this change.

Moda Delta Dental Plan:

• Adding coverage for Cone beam x-rays (excluding images related to TMJ). These images are usually in conjunction with implants or root canal treatment.
• Teledentistry.com will be added to the Delta Dental provider network. Teledentistry.com provides 24/7 access to virtual dental care. Members can get consultations, prescriptions and referrals.

Kaiser Dental Plan:

• Coverage for routine fillings will be expanded to include amalgam (silver), glass ionomer, and composite (tooth-colored) fillings on both posterior and anterior teeth. Currently, coverage for routine fillings is limited to amalgam (silver) or glass ionomer fillings on posterior teeth and composite (tooth-colored) fillings on anterior teeth.
• The cost share for nitrous oxide for members ages 0 to 12 will increase from $0 to $25 to match the cost share for members age 13 and older. 

Willamette Dental Plan:

• No significant benefit or eligibility changes

Questions?

Retiree.Benefits@multco.us

503-988-5651
Multnomah County Retiree Benefits
501 SE Hawthorne Blvd, Suite 320
Portland, OR 97214