Navigating the Upcoming Benefits Enrollment
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Everything you need to know to prepare, review, and lock in your coverage for the coming year.
Annual enrollment is your dedicated window to evaluate your personal coverage needs, explore new options, and make sure your healthcare and financial benefits align with where you are in life. Taking time to review your options now prevents unexpected out-of-pocket costs later and ensures you don’t leave valuable employer contributions on the table.
Important Deadline
Open Enrollment closes on Friday, November 13, 2026, at 11:59 PM ET.
Changes made during this window will take effect on January 1, 2027. If you do not actively enroll or make changes, most of your current coverage will roll over automatically—except for FSAs, which require annual re-enrollment.
Enrollment Snapshot: What to Expect
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Action Item |
Key Detail |
What You Should Do |
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Review Current Plans |
Check current deductibles & premiums |
Compare your past 12 months of claims to estimate next year’s needs. |
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Evaluate Dependent Info |
Spouses, children, or life events |
Confirm social security numbers and birthdates are up to date. |
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Re-elect Flexible Spending |
Healthcare & Dependent Care FSAs |
Calculate annual contributions (does not carry over automatically). |
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Submit Final Choices |
Monochrome Health Employee Portal |
Save your confirmation statement once all elections are selected. |
Frequently Asked Questions
While most medical, dental, and vision elections will carry over into the new plan year, we strongly recommend logging in to review updated contribution rates and confirm your listed beneficiaries. Additionally, Flexible Spending Accounts (FSAs) do not roll over—you must actively enter a new annual pledge to participate in 2027.
Open Enrollment is the one time during the year you can add or remove dependents without experiencing a Qualifying Life Event (like marriage or birth of a child). You will need to upload supporting documentation—such as a marriage certificate or birth certificate—directly into the portal during your enrollment session.
Our Benefits Coordinators are offering 15-minute 1-on-1 virtual sessions throughout the open enrollment period. You can reserve a spot directly via the “Coordinators” link in the portal menu or call the Direct Support hotline during standard business hours.
