What’s New

Deductibles and HSA contribution limits are increasing to comply with IRS rules.

What you pay for coinsurance and out-of-pocket maximums will stay the same.

• Deductible for associate + spouse: Increasing to $3,400 (from $3,300).
• HSA contribution maximum for associate only: Increasing to $4,400 (from $4,300).
• HSA contribution maximum for associate + spouse, child(ren) or family: Increasing to $8,750 (from $8,550).

Plus, you’ll have access to $0 urgent telehealth visits through Rightway via Curai.

Learn more about the plan

If you enroll in a health plan, you can earn a credit of $35 per paycheck ($910 in 2026) by completing a journey in Workday by Sunday, November 30*. The actions you need to take changed from last year, so be sure to plan for what you need to do to save money on your health plan.

• New steps to earn your wellness credit. Review the 2026 Benefits Education Journey in Workday and complete all steps, including the Rightway survey linked at the end of the Total Wellness Resources training.
• Take action starting October 16. The journey will be in your Workday inbox beginning Thursday, October 16. You’ll get an email from Rightway after you complete the health survey, which will mean you earned the wellness credit for 2026.

*To receive the health plan credit the first paycheck of 2026, you must complete these activities by Sunday, November 30. After that date, you may still complete them anytime to receive the credit on future paychecks. Please allow two pay periods after completing your actions for the credit to appear on your paycheck.

You’ll get more bang for your buck with the high-yield savings account that comes with the High Deductible Health Plan (HDHP). Even if your funds aren’t invested, you’ll earn greater interest on the money in your account. And, you’ll continue to get the same tax benefits. Important things to know:

• If you have an HSA with HealthEquity, the balance transfer process will take place in early 2026. Be on the lookout for more details and important action steps you’ll have to take.
• Fidelity will send you a new HSA card to use to spend money in your account. Your card will be mailed to your home address listed in Workday and should arrive by January 2026. Make sure to double check your home address in Workday is correct so the card goes to the right place.
• You can keep your HealthEquity HSA if you had one previously and do not choose to have an HSA in 2026. In this case, you’ll pay any fees for the HealthEquity account each month you keep the account beyond December 2025. You may also choose to move these funds to a different HSA administrator.

Learn more about the Fidelity HSA

The three types of FSAs available will stay the same: Healthcare FSA, Limited Purpose Healthcare FSA (only for associates also contributing to an HSA) and Dependent Care FSA. If you want to have an FSA in 2026, you must make an election in Workday during annual enrollment. Your participation won’t roll over if you enrolled in 2025.

There are some important dates to keep in mind so you don’t lose your funds:

• December: If you enroll in an FSA for 2026, you’ll receive an email from Forma to confirm the address you want your FSA card sent. You’ll log in to Forma’s portal and verify your address to have your card sent to the right place.
• By December 31: Plan to use the money in your current FSA account through HealthEquity. You can only rollover up to $660 of unused funds to Forma and any rolled over amount must be used before December 31, 2026.
• January 1: Your Forma FSA will be open, ready to contribute to and use.
• By March 31: You must submit all your reimbursement requests for 2025 to HealthEquity or you won’t get your money back.

To comply with IRS requirements, OhioHealth does non-discrimination testing after the open enrollment period to ensure the Dependent Care FSA is not unfairly favoring associates who earn above a certain pay threshold. The amount you can contribute may decrease as a result of this required testing.

• Associates will be notified prior to January 1 if their total 2026 contributions will be decreased from the amount selected.

Forma offers easy access through their online portal and fast reimbursement. But, the Forma HRA works a little differently than our current HRA. Keep in mind:

• You will pay out-of-pocket for qualified medical expenses, then submit a claim to Forma for reimbursement. For larger expenses, like hospital bills, payment isn’t required before reimbursement.
• After a claim is submitted, funds may be available in your account in as little as 24 hours.
• You can add your banking information to your account so the funds go directly into the account you use most often.
• Forma will not provide a spending card — you will submit claims for reimbursement.

The PPO Assist plan is available to qualifying associates whose family household income meets certain criteria. The plan provides access to the same healthcare and coverage at a lower cost.

Each year you must submit updated financial information to requalify for the plan. If you are approved for the plan, you still must enroll in the plan during annual enrollment. Your coverage does not roll over, even if you are currently in this plan.

Learn more about the PPO Assist Plan

Beginning January 1, 2026, all medical plans offered to OhioHealth Van Wert Hospital associates will feature a three-tier provider network, which mirrors the structure of the network offered to members in other regions. You’ll continue to enjoy all the same great OhioHealthy benefits—just in a new format designed to give you more choice and flexibility in your care.

• Understanding a three-tier provider network. Your current in-network providers are treated as one tier, but beginning in 2026, Van Wert associates will move to a three-tier structure. On January 1, the tier 1 and tier 2 labeling in the OhioHealthy online portal will directly correspond to your plan’s financials (deductible, copays, out of pocket maximum, etc.). You’ll pay more to see a tier 2 provider than a tier 1 provider. Tier 3 out-of-network providers will remain the most costly, and will NOT show up in the search tool. If you want to find out what tier your provider or facility is in, use the provider search tool (labeled “Find Care”) on OhioHealthyPlans.com on or after January 1.
• Pay less if you choose tier 1. Understanding the provider network tiers is important. By choosing providers within tier 1, you can save on your healthcare costs. Learn more about tiers and how you can save.
• If you currently receive care from a non-tier 1 provider. If you are in active treatment with a tier 2 or tier 3- out-of-network provider, you may want to transfer your care to a tier 1 provider for the lowest cost. We understand this kind of change can cause stress, and the OhioHealthy care managers will be with you every step of the way. They can work with you on a transition plan for your care, as well as help you find and schedule with new providers. You can contact the care management team at (614)-485-7941 or CareManagement@OhioHealthyPlans.com.
• Know the right level of care. Using the right healthcare service for your needs can help you save money and time and ensure you receive the right care. While the Emergency Department (ED) is a vital resource for urgent and life-threatening situations, visiting the ED for less severe care can result in higher costs to you compared to other care options (urgent care or primary care office and virtual visits).

Learn more about the tiers

If you have had commuter benefits in 2025, you can enroll through our new partner Forma for 2026. You will see this option in Workday during annual enrollment. This benefit allows you to add pre-tax money to an account to help with bus costs you pay to commute to work. After you enroll, you’ll receive an email from Forma with more information.

Learn about Commuter Benefits

Critical illness coverage will not roll over from 2025. The coverage tiers have changed, and you’ll need to actively enroll in coverage during annual enrollment by electing this benefit and the coverage option you need in Workday, even if you are enrolled in 2025.

For 2026, offered coverage tier options will be updated to:

• Associate plus spouse (which replaces the Associate plus 1 option)
• Associate plus any number of children (this rate has decreased from 2025)
• Associate plus family (Spouse and child(ren))

Learn more about Critical Illness coverage

If you’re not enrolled in an OhioHealthy medical plan and are benefits eligible, you’ll no longer have to pay a $5 “opt into wellness” fee per paycheck to participate in the discounted Weight Watchers program. Visit Weight Watchers | OhioHealth for more information.

Starting the first pay period in January 2026, payments to maintain long-term care and permanent life insurance policies through Chubb will no longer be deducted from your paycheck. You will need to make direct payments to Chubb to maintain your coverage. To avoid losing this coverage, plan ahead and change to direct pay in December 2025.

• Your direct banking information can be updated using these instructions.
• Your direct billing banking information can be updated by printing and mailing this form.

Contact Chubb directly if you have any questions by calling (855) 241-9891.

Discounts on Wellhub, a well-being platform offered to benefits-eligible associates in 2025, will remain a benefit to you in 2026. You will pay less than full price on all plans offered through Wellhub, giving you access to tools to support your mind, body and mood.

• Options that meet you where you are. Flexible plan options are designed to fit every wellness journey and budget, with discounts starting at 30-60% off one partner. A gym network, digital app network, a service to book private training or nutrition sessions and live streamed fitness classes are offered, depending on the plan you choose.

• Test with a free plan. You can explore Wellhub by trying their free plan, which gives you access to the premium versions of several well-being apps that promote fitness, nutrition, mindfulness, sleep and financial planning.

• How to get started. Haven’t registered, but want Wellhub to help you reach your 2026 wellness goals?
  • Download the Wellhub app.
  • Use your date of birth and OhioHealth associate ID to register (i.e. 01091995-12345) and create a password.
  • You can browse your local network using the “Explore” tab on the app before you choose a plan. Simply enter your zip code or open the map feature.
  • Once you decide to enroll in a plan, follow the steps to check out.
  • You can downgrade, pause or cancel your plan without any hidden fees or yearly contracts.
• Get support. Read the FAQs, contact Wellhub customer support or use the chat function in the mobile app.

Learn more about Wellhub

Ulcer drugs

Certain prescription drugs used to reduce stomach acid will no longer be covered in 2026 because they are available as over-the-counter products. The drugs that will no longer be covered include any in the Proton Pump Inhibitor and H2 Receptor Antagonist classes.

GLP-1 drugs

There will be no changes to coverage of GLP-1 drugs from last year. The drugs will not be covered in the medical plans for non-Type 2 diabetes diagnoses. We will continue to cover the drug in the medical plans for diagnoses of Type 2 diabetes.