Retiree open enrollment

Important changes to benefits and plans

There are many important changes to 2026 benefits and plans. See everything that's changing.

Resources

• View premiums.
• Find info about medical, dental, and vision plans.
• Submit Form A-OE. You may also need to submit Form B or Form D.
• Contact the plans.
• Attend a benefits fair.
• Visit the virtual benefits fair.
• Read the October For Your Benefit newsletter.
• Log in to Benefits 24/7.

UMP Plus closing – not available in 2026

Both UMP Plus plans: UMP Plus–Puget Sound High Value Network and UMP Plus–UW Medicine ACN will not be available in 2026. 

Members enrolled in these plans must choose a new plan by November 24, 2025. If they do not, they and any enrolled dependents will be enrolled in UMP Classic. Learn more.

Deductible for consumer-directed health plans

The IRS raised the minimum deductible for consumer-directed health plans to $1,700 for single subscribers and $3,400 for families.

This affects Kaiser Permanente NW CDHP, Kaiser Permanente WA CDHP, and UMP CDHP.

Health savings account annual maximum contribution increase

The IRS raised the health savings account annual maximum contribution to $4,400 for single subscribers and $8,750 for families.

Plan information

Remember, you are not required to stay in the same plan every year. You can change plans. Exception: If you switch out of Premera Medicare Supplement Plan F you will not be able to enroll back in Plan F in a future open enrollment, however you would be able to enroll in Premera Medicare Supplement Plan G.

Compare medical plans

Compare up to three medical plans side-by-side with the Online Medical Benefits Comparison.

You can also use the Benefits Comparison for PEBB Medicare plans and the Medical Benefits Comparison.

Medical plan service areas

In most cases, you must live in a medical plan's service area to join the plan. View plans available to retirees.

Be sure to call the plans you are interested in to ask about provider availability in your county. If you move out of your plan's service area and your plan is no longer available, you must select a new plan. If you do not, the PEBB Program will enroll you in a plan. You must report your new address and request a plan change to the PEBB Program no later than 60 days after your move.

Summary of Benefits and Coverage (SBC)

Summaries of Benefits and Coverage (SBCs) are required under the federal Affordable Care Act to help members understand plan benefits and medical terms. SBCs are not available for Medicare plans. View the SBCs for non-Medicare retiree medical plans.

Compare dental plans

The PEBB Program offers three dental plans:

• Uniform Dental Plan
• DeltaCare
• Willamette Dental

Use the Dental Benefits Comparison to compare them.

There are some differences between them that are important to keep in mind.

• There is one preferred-provider organization (PPO) plan, Uniform Dental Plan (administered by Delta Dental of Washington). You can see any provider without a referral. You can see providers outside of the network but you will pay more out-of-pocket.
• There are two managed-care plans: DeltaCare (administered by Delta Dental of Washington) and Willamette Dental. These plans require you choose a primary care dentist from within their network. You need referrals from the primary care dentist to see a specialist.

Compare vision plans

The PEBB Program offers three vision plans, available to members not enrolled in Medicare. Vision coverage for Medicare members is included with the medical plan, excluding Premera Plan G.

• Davis Vision by MetLife
• EyeMed
• MetLife Vision

Use the Vision Benefits Comparison to compare them.

Find providers

Check the plans' provider searches to check if your current providers are in the plans' networks. You can also call the plan's customer service to ask about a provider's network.

Costs

If you pay your premiums by pension deduction, make sure your pension will cover your 2026 premiums.

Find monthly premiums

• Retiree monthly premiums 2026
• PEBB Continuation Coverage monthly premiums 2026

What do I need to do?

• If your health plans are still available and you want to keep them, you do not need to fill out any forms or call us. You will automatically continue with the same plans next year.
• If your plan will no longer be available in 2026, you need to choose a new plan.
• You may need to respond to the spouse or state-registered domestic partner (SRDP) coverage premium surcharge. You will receive a letter if you need to respond.

How do I make changes?

Use Benefits 24/7 (available to make changes on October 27) or submit Form A-OE. You may also need to submit Form B or Form D.

The PEBB Program must receive your forms by November 24.

Changes made through Benefits 24/7 must be submitted by 11:59 p.m. on November 24.

What changes can I make?

Open enrollment is your chance to:

• Change medical and dental plans.
• Enroll in a vision plan if you are not enrolled in Medicare Part A and Part B.
• Add or remove a dependent from your coverage.
• Defer your retiree insurance coverage due to other qualifying coverage.
• Enroll in retiree insurance coverage if you previously deferred your enrollment.
• Attest to the spouse or state-registered domestic partner coverage premium surcharge. Note: This does not apply to subscribers enrolled in Medicare Part A and Part B.

How to return your form

Return your form one of the following ways:

• Secure message using HCA Support. After signing in, select the Retiree/Continuation coverage option.
• Mail it to the PEBB Program.
  Washington State Health Care Authority
  PEBB Program
  PO Box 42684
  Olympia, WA 98504-2684
• Fax it to 360-725-0771.
• Bring it to the HCA Olympia office.
  626 8th Avenue SE
  Olympia, WA 98501

The PEBB Program must receive your form by November 24.

Do I need to attest to the premium surcharges?

Non-Medicare subscribers only: If you cover your spouse or state-registered domestic partner, you may need to respond to the spouse or state-registered domestic partner coverage premium surcharge. You will receive a letter if you need to respond. Learn more about the premium surcharges.