Changes for 2026

Enroll October 27 through November 10, 2025

Mosaic is proud to continue providing a comprehensive benefits plan with great programs to support your needs, so you and your family can focus on your overall wellbeing.

As you consider your benefit elections for 2026, we encourage you to think about your future needs, review the benefits Mosaic provides, and ensure you’re enrolled in coverage that’s best for you. And remember to take advantage of our wellness resources, now and throughout 2026!

Premium Changes

• The Traditional Plan and Consumer Plan premiums will be increasing about $7 to $29 per month depending on the plan you are enrolled in.

Plan Changes

• We are introducing the Core Plan as a new medical option to provide you with more choice and flexibility in selecting the coverage that best fits you and your family’s needs. The Core Plan offers lower premiums, but higher out-of-pocket costs.
  • View the medical plan comparison chart to see how the plans compare and make an informed choice for 2026.
• We are also offering a new Supplemental Hospital Insurance plan that provides additional coverage during a hospitalization. Hospital Insurance can be paired with your medical plan to offer extra financial protection for you and your family.
  • To learn more, visit the Supplemental Hospital Insurance page.

Plan Updates

• The Consumer Plan’s deductible is increasing to $3,500 for individuals, and $7,000 for family coverage. If you have dependents enrolled, you don’t have to meet the full family deductible before the plan coinsurance begins.
  • Additionally, the out-of-pocket maximum will be increasing to $5,000 for individuals and $10,000 for families.
• The company contribution to the Health Savings Account (HSA) will remain at $750 for individuals and $1,500 for family coverage. For 2026, the IRS is increasing HSA contribution limits to $4,400 for single coverage and $8,750 for family coverage.
• The limit for the Dependent Care Flexible Spending Account (FSA) is increasing to $7,500 for individuals, and $3,750 for married couples who file tax returns separately.
  • To learn more about the HSA and FSA, visit the Savings & Spending Accounts page.
• An additional Spouse Supplemental Life coverage option of $250,000 is now available. Note that Evidence of Insurability (EOI), or proof of good health, will be required for this option.
  • To learn more, visit the Life Insurance page.

Ways to Manage Healthcare Costs

Mosaic’s company medical and pharmacy costs are expected to rise about 7% for 2026. Employee premiums will increase $7-$29 per month depending on the plan you are enrolled in.

It is important to remember healthcare cost increases are driven by how we use the plan (i.e., dependent on the health of everyone covered) and general market increases for medical services. You can keep your healthcare costs low by:

• Maintaining a healthy diet and regular exercise
• Prioritizing preventive care to identify potential health problems before they become serious
• Managing any chronic conditions and using the resources Mosaic provides

Lyra's Work-Life Services Provider is Changing

Beginning January 1, 2026, Lyra’s Work-Life Services will be enhanced through a new partnership with Carelon Behavioral Health. This enhancement is designed to provide you with more comprehensive support at no additional cost, making it easier to access the resources you need to support your well-being. Visit the Lyra Health and Additional Resources page for more information!

New Roth 401(k) Deferral Option

Beginning January 1, 2026, a Roth 401(k) deferral option and in-plan Roth conversions will be available under the Mosaic retirement savings plans. This feature allows you to contribute or convert after-tax dollars to your savings, with the potential for tax-free withdrawals in retirement. Watch for more information in the coming months from Fidelity.

For additional information on 2026 Annual Enrollment, visit the Virtual Benefits Fair, visit an in-person Benefits Fair, and review the 2026 Annual Enrollment Guide.