Upcoming 2026 Benefits
MAKE YOUR BENEFIT ELECTIONS BETWEEN
November 3, 2025 – November 14, 2025
Mercury Insurance regularly reviews benefits, programs, and perks for team members so that no matter where you are in your life and career, you will find a value in the available benefits options. This year's Open Enrollment will be PASSIVE, meaning that if you don't want to make any changes, all your benefits will carry over with exception to HSA and FSA. Those accounts require re-enrollment every year!
What Do You Need to Know?
- Mercury Insurance's Open Enrollment is PASSIVE this year. This means, if you do not take any action during Open Enrollment, all your current benefit elections will roll over into the new 2026 Plan Year with the exception of Health Savings Account (HSA) and Flexible Spending Account (FSA) contributions. You must actively re-enroll in HSA and/or FSA , if you wish to continue participating for 2026.
- Beginning November 3rd until November 14th, 2025, please login to UKG if you wish to enroll in HSA and/or FSA, make changes to your health benefits, and add or drop eligible dependents from coverage. All changes will become effective January 1st, 2026.
- For a high-level description of benefit changes in 2026, please review the "What's Changing in 2026" section below.
- Review your personal information in UKG to confirm all information is updated. Please make any necessary changes.
What Do You Need to Do?
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- Blue Shield Mandated Change – High Deductible Health Plan (HDHP) deductible increases.
- Saver HDHP: Deductible increase from $1,650 to $1,700 (individual) and from $3,300 to $3,400 (family)
- Super Saver HDHP: Individual deductible increase from $3,300 to $3,400.
- Health Savings Account – Contributions limits have increased to $4,400 for individual coverage and $8,750 for family coverage. Individuals who are 55 or older can contribute an additional $1,000 as a catch-up contribution.
- Behavioral Health Plan Changes
- Moving from Magellan network to BlueShield network for HMO and PPO.
- Blue Shield Network Change for Acupuncture/Chiropractic Services
- Those enrolled on a Blue Shield PPO plan and receiving care for Acupuncture/Chiropractic, Blue Shield is changing their network from American Specialties Health to Blue Shield's direct network. Anyone enrolled in the Blue Shield HMO network will remain within American Specialties Health network.
We are recording the live OE Webinar's for those that were unable to attend.
- OE Webinar Recording (CA) - Coming Soon
- OE Webinar Recording (All Other States) - Coming Soon
- 2026 Benefit Guide (CA Employees) - Coming Soon
- 2026 Benefit Guide (All Other State Employees) - Coming Soon
- 2026 Benefits Overview - Coming Soon
- Mercury Benefits Service Team (Newfront Answers)
- Open Enrollment Frequently Asked Questions
Blue Shield - Medical
- Blue Shield HMO (CA Employees Only)
- Benefits Summary
- SBC - Coming Soon
- Blue Shield HMO Trio (CA Employees Only)
- Benefits Summary
- SBC - Coming Soon
- Blue Shield EPO (Non-CA Employees Only)
- Benefits Summary
- SBC - Coming Soon
- Blue Shield Saver HSA Plan
- Benefits Summary
- SBC - Coming Soon
- Blue Shield Super Saver HSA Plan
- Benefits Summary
- SBC - Coming Soon
- Resources
- 2026 Blue Shield Enhanced Pharmacy Deductible HMO Summary
- 2026 Blue Shield Enhanced Pharmacy Deductible PPO Summary
- Chiropractic and Acupuncture Benefits
- Blue Shield Microsite
- 2026 Blue Shield HMO Access Plan Overview
- 2026 Blue Shield HMO Trio Plan Overview
- 2026 Blue Shield EPO Plan Overview
- 2026 Blue Shield Saver/Super Saver Plan Overview
- Amazon Pharmacy Flyer
- Amazon Pharmacy Easy Sign-Up Guide
- Find a Provider
- Click here to schedule a 1:1 virtual meeting with a Blue Shield Representative to review your plan choices and answer questions during Open Enrollment.
- Should I choose a HDHP?
- Blue Shield Trio Network Guide
- HMO v. HMO Trio Network Comparison
Kaiser CA - Medical
- Kaiser Deductible HMO
- Resources
- Kaiser Microsite
- 2026 Enrollment Toolkit
- Speak with an Enrollment Specialist
- Understand your Costs
- Cost Estimator (General estimate of what you may be asked to pay for the services you expect to receive)
- Find a Provider
Kaiser HI - Medical
- Kaiser Hawaii HMO (HI Employees Only)
- Resources
Delta Dental - Dental
- Delta Dental PPO
- DeltaCare DHMO
- Resources
VSP - Vision
- VSP Vision
- Resources
New York Life - Life and Disability
- Basic Life and AD&D
- Supplemental Life and AD&D
- Short-Term Disability (STD)
- Long-Term Disability (LTD)
- Resources
New York Life - Voluntary Plans
- Critical Illness Insurance
- Accident Insurance
- Hospital Indemnity Insurance
- Resources
Health Equity - Health Savings Account (HSA)
- Resources
Inspira Financial - Flexible Spending Accounts (FSA)
Well Being Programs and Resources
- My Health 2.0 - NEW!
- Enhanced Program Coming January 2026!!
- Lyra - Employee Assistance Program (EAP)
- New York Life - Employee Assistance Program
- AllOne Health - Work/Life Services
MetLife - Legal Plan
Nationwide - Pet Insurance
- Pet Insurance
Retirement and Financial Wellness
- 401(k)
- Pre Login Site (Find articles, videos and guides designed to educate you on important decisions regarding your 401(k) for 2025)
- 529 College Savings Plan
- Financial Wellness Program
| Plan Names | 2025 | 2026 |
| Healthcare Flexible Spending Account (FSA) |
$3,300 | $3,400 |
| Dependent Care Flexible Spending Account (FSA) |
$5,000 | $5,000 |
| Health Savings Account (HSA) | Individual: $4,300 Family: $8,550 |
Individual: $4,400 Family: $8,750 |
California
| Medical Coverage (Pre-Tax; Monthly) |
Blue Shield PPO $aver/ HSA Plan | Blue Shield PPO Super $aver/ HSA Plan | Blue Shield HMO Plan | Blue Shield Trio HMO Plan | Kaiser Deductible HMO |
|---|---|---|---|---|---|
| Team Member Only | $265.00 | $120.00 | $312.00 | $124.00 | $251.00 |
| Team Member + Spouse/Registered Domestic Partner | $576.00 | $449.00 | $680.00 | $429.00 | $571.00 |
| Team Member + Child(ren) | $518.00 | $403.00 | $609.00 | $393.00 | $514.00 |
| Family* | $1,100.00 | $800.00 | $1,090.00 | $750.00 | $900.00 |
| Dental Coverage (Pre-Tax; Monthly) | DeltaCare USA DHMO | Delta Dental PPO |
|---|---|---|
| Team Member Only | $0.00 | $16.00 |
| Team Member + Spouse/Registered Domestic Partner | $17.00 | $63.00 |
| Team Member + Child(ren) | $15.00 | $53.00 |
| Family* | $32.00 | $110.00 |
| Vision Coverage (Pre-Tax; Monthly) | VSP Base | VSP Premier |
|---|---|---|
| Team Member Only | $6.00 | $9.00 |
| Team Member + Spouse/Registered Domestic Partner | $15.00 | $22.00 |
| Team Member + Child(ren) | $13.00 | $20.00 |
| Family* | $21.00 | $30.00 |
All States Other Than California
| Medical Coverage (Pre-Tax; Monthly) |
Blue Shield PPO $aver/ HSA Plan | Blue Shield PPO Super $aver/ HSA Plan | Blue Shield EPO Plan | Kaiser HI HMO |
|---|---|---|---|---|
| Team Member Only | $265.00 | $120.00 | $310.00 | $108.00 |
| Team Member + Spouse/Registered Domestic Partner | $576.00 | $449.00 | $666.00 | $545.00 |
| Team Member + Child(ren) | $518.00 | $403.00 | $597.00 | $489.00 |
| Family* | $1,100.00 | $800.00 | $1,060.00 | $900.00 |
| Dental Coverage (Pre-Tax; Monthly) | DeltaCare USA DHMO | Delta Dental PPO |
|---|---|---|
| Team Member Only | $0.00 | $16.00 |
| Team Member + Spouse/Registered Domestic Partner | $17.00 | $63.00 |
| Team Member + Child(ren) | $15.00 | $53.00 |
| Family* | $32.00 | $110.00 |
| Vision Coverage (Pre-Tax; Monthly) | VSP Base | VSP Premier |
|---|---|---|
| Team Member Only | $6.00 | $9.00 |
| Team Member + Spouse/Registered Domestic Partner | $15.00 | $22.00 |
| Team Member + Child(ren) | $13.00 | $20.00 |
| Family* | $21.00 | $30.00 |
Questions?
We have support resources to help you through the decision-making process, address questions about the benefits, and anything else related to your 2026 Benefits Program.
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Mercury's Benefits Service Team
(Newfront Answers)
Phone: (866) 209-4866
Hours: 24/7, 365 days a year
Email: mercury@answers.newfront.com
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Mercury's Internal Benefits Team