Open Enrollment Information for January 1, 2026
Open Enrollment Information for January 1, 2026
Open enrollment will be October 20 through November 11, 2025 for coverage that starts on January 1, 2026
Most deductions will begin on December payrolls
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NEW BENEFIT OFFERING effective JANUARY 1, 2026
Would you (and/or any currently enrolled family members on MCPASD health insurance) consider some level of coverage cancellation in exchange for enrolling in the new Family Reimbursement Account (FRA)?
Because of the individualized nature of this benefit, MCPASD recommends meeting with an expert before dropping health insurance or reducing coverage for enrollment in the FRA
Sign Up for a virtual one-on-one session here: 1-on-1 Session: Family Reimbursement Accounts
Where can you find benefits information?
Where can you find benefits information?
Want to talk to someone?
To provide you with personalized support, we're offering virtual one-on-one Q&A sessions with a benefits specialist. This is your chance to get a clear understanding of your options in a confidential environment.
Monday October 13, 7:00am - 4:00pm
Tuesday October 14, 12:00pm - 6:00pm
Wednesday October 15, 7:00am - 10:00am; 12:00pm - 3:00pm
Monday October 20, 12:00pm - 6:00pm
Tuesday October 21, 7:00am - 3:00pm
Monday October 27, 7:00am - 3:00pm
Tuesday October 28, 12:00pm - 6:00pm
Please use Open Enrollment Sign Up Genius Link to sign up for a slot
You'll receive a Google Meet invite from the Benefits Team once your sign-up is complete.
We'll be in DSC Conference Room 3 during your scheduled time slot. Feel free to stop by and meet with the specialist in person.
Kalise Horst, Wellness Coordinator, will be making in-person building visits during the following times and can answer open enrollment questions:
Calendar - Building visits with Kalise
Monday October 6, 7:30am - 1:00pm: MHS 1189 Conference Room
Wednesday October 8, 11:00am - 1:00pm: DSC Conference Room B
Wednesday October 8, 2:00pm - 4:00pm: Clark Street Conference Room
Thursday October 9, 7:30am - 10:30am: Kromrey Room 209
Thursday October 9, 1:30pm - 3:30pm: Sunset Ridge Conference Room 101
Tuesday October 14, 7:30am - 10:00am: Glacier Creek Main Office Conference Room
Tuesday October 14, 1:00pm - 4:00pm: Park Room 153
Wednesday October 15, 7:00am - 10:00am: West Middleton Conference Room
Wednesday October 15, 1:30pm - 3:30pm: Pope Farm Conference Room
Monday October 20, 8:00am - 10:00am: DOC Conference Room
Monday October 20, 10:30am - 12:30pm: Transportation Break Room
Monday October 20, 2:15pm - 3:30pm: Early Learning Center Conference Room
Tuesday October 21, 8:30am - 10:30am: Sauk Trail Conference Room
Monday October 27, 7:00am - 10:00am: Northside Conference Room
Monday October 27, 1:00pm - 4:00pm: Elm Lawn Conference Room
Meet with an expert to determine if the new Family Reimbursement Account is right for you: FRA Sign Up Genius Link
Learn about the High Deductible Health Plan
If you are choosing the HDHP at open enrollment, the benefits team will contact you with more information about the accompanying HSA.
HSA Bill Pay Step by Step Instructions or Video (Pay yourself back)
IRS regulations that make an employee ineligible to open an HSA
Covered by another non-HDHP, such as a spouse's plan
Enrolled in Medicare (does not apply to spouse or dependents on Medicare)
Covered by TRICARE or TRiCARE for life military benefits program
Claimed as a dependent on another person's tax return (other than spouse)
Received Veterans Administration VA benefits with the past 3 months
While you may be eligible to open an HSA, you may want to consider if you have any HSA ineligible dependents. To be an eligible dependent, you have to be able to claim them as a tax dependent. Any dependent up to the age of 26 qualifies to be covered under your Dean health insurance. But if you are unable to claim them as a dependent on your taxes, you cannot use your HSA funds to pay for their healthcare costs. In that case, you/your dependent would pay full price under the HDHP for their claims until the family meets the $6,000 deductible.
If HSA funds are used on ineligible expenses or an ineligible dependent, you will have to pay income tax on that amount in addition to paying a 20% penalty.
Are you currently enrolled in a healthcare FSA (flexible spending account)?
As per federal regulations, you cannot receive contributions to an HSA account if you have even 1 penny or more in a healthcare FSA on December 31, 2024. This also applies to a spouse’s healthcare FSA. If there is a balance on your 2024 MCPASD HCFSA, you will not be able to contribute or receive district contributions until the plan ends, including the grace period and runoff period, on April 1, 2025. This would result in missing 3 months of contributions from the district. MCPASD recommends submitting all receipts by December 15 to ensure that claims are cleared before December 31, 2024.
Want to know more about Flexible Spending Accounts (FSAs)?
Curious about pet insurance?
LegalShield has made changes to its MCPASD plans
LegalShield has made changes to its MCPASD plans
LegalShield is offering additional services, check out the New Plan Summary, at a lower rate! New Rates
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