2026-2027 Open Enrollment
Open Enrollment is the only time you can make changes to your benefits decisions each year, unless you experience a qualifying life event during the year.
Open Enrollment Overview
We are excited to announce that our Annual Open Enrollment period is approaching. This is your once-a-year opportunity to review and make changes to your health insurance plans and other benefits.
The Open Enrollment period will begin on Monday, August 17 and end on Friday, August 28. Please make sure to complete all necessary actions within this timeframe.
During this period, you can:
Enroll in New Plans: If you are not currently enrolled in our benefit plans, this is your chance to sign up.
Make Changes to Existing Coverage: You can switch plans, add or drop dependents, or make other adjustments to your current coverage.
Evaluate your Benefit Options: Take a look at any new benefit plans or changes to existing plans that may be available this year.
Passive Enrollment: This year we will have a passive enrollment. This means if you are satisfied with your current benefits and do not wish to make any changes, no action is needed. Your benefits will seamlessly carry over into the next plan year.
The only exception is for all HSA and FSA benefits, which you are required to re-enroll annually.
We highly encourage you to review your benefits annually even if you are declining benefits.
Your benefits will be effective October 1st, 2026.
What's New or Changing?
As we approach the new plan year, we are excited to announce several updates and enhancements to our benefits program. Here’s a summary of what’s new and how these changes can positively impact you and your family.
New Plan Year (10/1/2026-9/30/2027)
Our renewal date will be moving to October 1st, with each future plan year beginning on that date going forward. This change is designed to better align with our company's operations and avoid our peak season. Elections made during this open enrollment period will take effect October 1, 2026 through September 30, 2027.
Employee Health Plan Costs
We're happy to share that employee costs will remain unchanged from the current plan year to the new one. Per pay period costs will stay the same through 9/30/2027.
New HSA and FSA Vendor
We're pleased to announce that starting October 1, 2026, Spreetail will be transitioning from Navia to Benepass for spending account administration. This includes HSA and/or FSA accounts (Dependent Care, Healthcare, and Limited Purpose).
Got questions? We’ve got you covered with this Q&A.
Visit the Spending Accounts page for more details on accessing your new account(s), transferring balances, and more!
IRS Contribution Limits for 2026
Flexible Spending Account (FSA)
- Health Care FSA & Limited Purpose FSA: The maximum plan year contribution limit for the Health Care FSA is $3,400.
- Health Care FSA & Limited Purpose FSA Rollover: You can carryover up to $680 of unused funds from the current plan year, ending 9/30/2026 to the new plan year starting 10/1/2026. This allows you to minimize the "use-it-or-lose-it" risk and better manage your healthcare expenses.
- Dependent Care FSA: The maximum calendar year contribution for Dependent Care FSA is $7,500 for 2026.
Health Savings Account (HSA)
- Individual HSA: The 2026 calendar year contribution limit for individuals with self-only coverage under a high-deductible health plan (HDHP) is $4,400.
- Family HSA: For those with family coverage under an HDHP, the 2026 calendar year contribution limit is $8,750.
- Catch-Up Contributions: Participants aged 55 or older can make an additional "catch-up" contribution of $1,000 annually.
Enrollment Resources
LIVE! Open Enrollment 2026-2027 Overview
Spreetail's Benefits Team invites you to attend one of our live 2026 Open Enrollment presentations. Please check your work email for a meeting invitation. This informative session will help you navigate your benefits options for 2026-2027.
During the presentation, we'll cover:
- Dates to Remember
- What's New in 2026-2027?
- Benefits Overview
- How to Enroll
- Resources
This is your opportunity to learn more about the benefits available to you and get answers to your questions.
If you are unable to attend the live session, you're encouraged to revisit this platform starting Wednesday, August 19th. You will have access to the slides and recording of the open enrollment presentation, allowing you to review all pertinent information at your convenience.
How Do I Enroll in Benefits?
New hires will receive a welcome email following orientation with a link to the Dayforce enrollment system. Login instructions will be included in the email. Within Dayforce, you can enroll yourself and eligible dependents in the plans that fit you and your family best. For more information about the plans offered, please go back to homepage or click on the corresponding tab at the top of this page to review plan designs, required notices, evidence of coverage, documents and much more.
For any benefit related questions, please contact the insurance provider’s member services team. If you have additional questions or unresolved issues, please contact:
Disclaimer: This presentation provides a summary of the employee benefit programs offered by Spreetail. Should any discrepancies arise, please refer to the actual plan documents, which supersede this presentation. Once enrolled, you will receive a Combined Evidence of Coverage and Disclosure Form detailing the exclusions, limitations, and the full range of covered services of your plan.