Annual Open Enrollment

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

On this page

  1. Open enrollment for 2026 has begun! 
  2. 2026 Plan Comparison Charts 
  3. 2026 Medical/Dental Plan Costs
  4. Health Care Plan Pages
  5. Key 2026 Benefit Changes 
  6. 2026 Flexible Spending Accounts (FSAs)
  7. Open Enrollment Journey (Guide)
  8. During Open Enrollment
  9. Editing Your Open Enrollment Selections After You've Submitted
  10. Questions?
Open Enrollment 2026 (Oct 22nd - Nov 12th)

Open enrollment for 2026 has begun! 

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.” 

2026 Plan Comparison Charts 

2026 Medical/Dental Plan Costs

Health Care Plan Pages

You can find plan handbooks, SBCs, and informational flyers about coverage on specific plan pages:  

Kaiser Plan  |  Moda Plan  |  Willamette Dental. 

Note: You can enroll in different vendors for medical and dental coverage. 

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.
  • 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. 

Supplemental Life Open Enrollment Opportunity

  • During Open Enrollment, if you have an existing supplemental life policy under $200,000, you have an opportunity to increase your coverage by $10,000, $20,000, or $30,000 without needing to submit a medical form (EOI).
    • Example: If you currently have $100,000 in coverage, you can increase to $110,000, $120,000 or $130,000.
    • Example: If you currently have $180,000 in coverage, you can only increase to $190,000 or $200,000 because $200,000 is the max total amount you can reach for this opportunity.
  • There is no special opportunity to increase existing spouse/domestic partner policies without submitting an EOI form.
  • You can apply for coverage over $200,000, but the amount that is above $200,000 will require completing the EOI form.
  • There are no changes to the rates for supplemental life insurance.

Optional Short-Term Disability

  • Optional short-term disability (OSTD) rates will decrease by 35%

2026 Flexible Spending Accounts (FSAs)

FSA Plan Notice

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.
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Open Enrollment Journey (Guide)

Starting October 22nd, you’ll see a personalized Open Enrollment Guide on your Workday homepage under "Awaiting Your Action," or in Notifications.

This guide reviews information about Open Enrollment and changes you can make, but it is NOT your open enrollment event.  

During Open Enrollment

1. Find your Open Enrollment task in your Workday inbox. Your Open Enrollment task will be titled "Benefit Change: Open Enrollment for (Your Name) 01/01/26."

2. Review your plans and click on “Manage” to make changes or updates. This is where you can change your medical/dental plans, enroll in a 2026 FSA account and enter your annual goal amount, request to increase or request enrollment in supplemental life plans, and add beneficiaries.

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:

3. Complete affidavits if they apply to you:

  • Do you have other medical coverage and want to waive County medical coverage?
  • Adding a new spouse or domestic partner to your health coverage? Or requesting enrollment in a new spouse/domestic partner supplemental life plan?
  • Divorce finalized or has a domestic partnership ended?  Complete the Dissolution of Marriage or Domestic Partnership form, and notify us right away if you have an ex-dependent on your coverage.

4. Most importantly - Fully submit your open enrollment task in Workday by Wed, Nov 12th!

Once you have reviewed your plans and made changes, you will see a “Review and Submit” button. This is NOT your final submit button. Click on it to review a summary of your changes. Then scroll down and check the small box beside “I Accept” and click on the final Submit button right below that. 

Editing Your Open Enrollment Selections After You've Submitted

You can edit your open enrollment submission at any point before open enrollment closes on Wednesday, November 12th.  To d so, go into your Benefits and Pay hub. You'll find your submitted Open Enrollment under Needs Attention. Click on the Edit button to make changes. 

Once you've reviewed your choices, don't forget to full submit again. If you don't fully submit, you changes will not be saved! To fully submit, you'll need to click on the Review and Continue button, which takes you to a page where you can do a final review of your selections. Scroll to the bottom of this page and check the "I Accept" box and click on the final Submit button. 

You can make as many edits as you'd like to before Open Enrollment closes at the end of day on Wed, Nov 12th - just make sure you fully submit every time. 

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)

Open enrollment emails and calls are answered in the order received. 

Last reviewed October 27, 2025

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