Annual Open Enrollment

Open Enrollment information including costs, plan comparisons, and changes.

On this page

  1. Open enrollment for 2026 closed on Wed, Nov 12th.
  2. How to Review Your Submitted Open Enrollment
  3. Health Care Plan Pages
  4. 2026 Flexible Spending Accounts (FSAs)
  5. 2026 Plan Comparison Charts 
  6. 2026 Medical/Dental Plan Costs
  7. Key 2026 Benefit Changes 
  8. Questions?
Open Enrollment 2026 (Oct 22nd - Nov 12th)

Open enrollment for 2026 closed on Wed, Nov 12th.

Open enrollment is your annual opportunity to review and make changes to who you have on your insurance coverage, re-enroll in flexible spending accounts, or change your insurance plan for the upcoming year. While you can add or change beneficiaries and apply for supplemental life coverage any time, open enrollment is a great time for these activities as well. 

Changes made during this period are effective on 1/1/2026, so we refer to this period as  “Open Enrollment 2026.” 

November New Hires: Please reference this page for brief open enrollment instructions and reach out for more assistance if needed: Where to Find Your Open Enrollment.

How to Review Your Submitted Open Enrollment

Forgot what you selected?  You can review your benefits in your Workday Benefits & Pay application anytime. 

To view, select Benefits from the left-hand side menu > Benefits By Date > View as of:  01/1/2026. 

Health Care Plan Pages

Did you start, or change to, a new plan?  You can find your plan handbooks, SBCs, and informational flyers about coverage on specific plan pages:  

2026 Flexible Spending Accounts (FSAs)

FSA Plan Notice:  New FSA Administrator: BenefitHelp Solutions (BHS) (effective 01/01/26)

REMINDER: Re-enrollment via Workday, including entering your 2026 plan goal amount, is required every year for all FSA plans.

  • Medical (MERP) Maximum: Increases to $3,400 annually.
    • 2026 to 2027 Carryover: $680.
  • Dependent Care (DCAP) Maximum: Increases to $7,500 annually ($7,500 per family, $3,750 if married filing separately)
    • Note: Two-earner households may need to coordinate to avoid exceeding the limit. In shared custody, only the parent claiming the child as a tax dependent can use DCAP for expenses while the child is in their care.
  • Transportation (TRP): Monthly maximum contribution increases to $240/month for transit and $340/month for parking. Minimum contribution: $20 per month.

2026 Plan Comparison Charts 

2026 Medical/Dental Plan Costs

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

Long Term Care Insurance Update

  • Unum will stop approving new Multnomah County enrollments effective 2/1/2026. Find more on the Optional Long Term Care Insurance page.
  • The County is currently researching to contract with a new Long Term Care vendor for 2026.
  • Long term care insurance cannot be enrolled in, changed, or canceled through your Open Enrollment event. Contact employee.benefits@multco.us for instruction or an enrollment packet. 

Optional Short-Term Disability

  • Optional short-term disability (OSTD) rates will decrease by 35%
  • You can enroll in optional short-term disability any time during the year. 
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Note: Several of your benefits are County-paid and are provided at no cost to you. You are not able to change your enrollment in these. These include:

Questions?

 The Benefits Team is Here for You!

  • Email: employee.benefits@multco.us
  • Voicemail: 503-988-3477
  • Walk-in: Multnomah Building (501 SE Hawthorne, Ste 300), from 7:30 a.m. to 5:00 p.m. (Tues-Thurs)
Last reviewed November 13, 2025

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