COBRA Open Enrollment

Open Enrollment is Coming!

This is your opportunity to:

1. Change your medical or dental plan.
2. Add or remove family members.

If you are enrolled in COBRA, you will receive Open Enrollment forms from PacificSource Administrators

Plan Comparison Charts for 2026

• Document

  2026 Medical Plan Comparison Chart (165.59 KB)
• Document

  2026 Dental Plan Comparison Chart (90.64 KB)

2026 Medical/Dental Costs

• Document

  2026 COBRA Medical and Dental Costs (78.37 KB)

Key 2026 Benefit Changes 

For 2026, there are no Federal/State regulatory changes and rate increases are within the usual expected annual increases. 

Kaiser Medical Plans

• Rate increase of 7.7%
• No significant benefit or eligibility changes

Kaiser Dental Plan

• Rate increase of 8.4%
• 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. 

Moda Medical Plans

• Rate increase of 9.8%
• 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 employees and dependents who are or will become Medicare eligible during the 2026 plan year.

Moda Delta Dental Plan

• Rate increase of 8.3%
• 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.

Willamette Dental Plan - Benefit & Eligibility Changes

• Rate increase of 2.5%
• No significant benefit or eligibility changes

Questions?

Employee.Benefits@multco.us or 503-988-3477

Multnomah County Benefits Office
501 SE Hawthorne Blvd, Suite 320 
Portland, OR 97214