Your Benefits. Your Care. Take Action.
Key Dates:
- Open Enrollment is from October 27 to November 7, 2025.
- Opportunities to learn more:
- OE Information Sessions:
- 10/28/2025, 10:00 – 11:00 AM EDT (one hour)
- 10/29/2025, 3:00 – 4:00 PM EDT (one hour)
- 11/3/2025, 1:00 – 2:00 PM EST (one hour)
- 11/6/2025, 11:00 – 12:00 PM EST (one hour)
- OE Office Hours:
- 10/29/2025, 2:00 – 3:00 PM EDT (one hour)
- 11/4/2025, 11:00 – 12:00 PM EST (one hour)
- OE Information Sessions:
What to Expect in 2026:
- Your 2025 benefit elections will automatically roll over into 2026 except for the Flexible Spending Account (FSA) and Health Savings Account (HSA). To continue these, you must re-enroll each year.
- New surcharges will apply (spousal and tobacco surcharges), if applicable.
- Make sure to take action! Review your coverage for yourself and your family carefully, make sure your coverage still fits your needs.
Medical Coverage
- NO Plan Design Change
- NO Coverage Tier Changes
- Employee/Employer Contribution Adjustments
- Spousal Surcharge ($150/mo.)
- Smoking Surcharge ($50/mo.)
- Elimination of Waived Medical Credit
- Medical Premium Increases:
- For 2026, most of our medical plan options, PPO 70, HDHP, and HPN, will see a modest 2% increase in team member premiums. However, the PPO 80 plan will have a larger 18% increase to help balance the costs across the board.
- Why the difference? The PPO 80 plan offers the richest coverage in terms of plan design, and it’s where many of our highest-cost claims have occurred. To help maintain the overall sustainability and balance costs across all options, we’ve had to adjust the PPO 80 premium more significantly. We remain committed to offering a range of plans to meet the diverse needs while managing long-term affordability for all team members.
- We encourage you to carefully review our Open Enrollment materials to understand how this change may affect your coverage and costs for the upcoming year.
| Team Member Medical Contributions | ||||
| Medical (Monthly) | ||||
| PPO 80 | PPO 70 | HDHP | HPN (LHV/HEN only) | |
| Team Member | TM: $295.26 OSC: $950.97 | TM: $148.55 OSC: $790.59 | TM: $152.55 OSC: $811.83 | TM: $136.30 OSC: $725.36 |
| Team Member + Spouse | TM: $749.26 OSC: $1,780.58 | TM: $410.98 OSC: $1,537.73 | TM: $422.04 OSC: $1,579.04 | TM: $377.07 OSC: $1,410.86 |
| Team Member + Child(ren) | TM: $708.66 OSC: $1,684.10 | TM: $386.23 OSC: $1,445.10 | TM: $396.61 OSC: $1,483.92 | TM: $354.36 OSC: $1,325.87 |
| Family | TM: $1,129.40 OSC: $2,684.05 | TM: $606.36 OSC: $2,268.72 | TM: $621.06 OSC: $2,323.73 | TM: $550.86 OSC: $2,061.03 |
| **These rates do not include spousal and tobacco surcharges** | ||||
- To help manage health care costs and encourage healthy choices, Ocean Spray applies the following monthly surcharges:
- Spousal Surcharge – $150/month
- Applies if your spouse or domestic partner has access to medical coverage through their own employer, but chooses to enroll in Ocean Spray’s plan instead.
- Note: This surcharge will automatically carry over if no action is taken during Open Enrollment and you have a spouse or domestic partner enrolled on your medical plan.
- Tobacco Use Surcharge – $50/month
- Applies to team members who attest to using tobacco products.
- Spousal Surcharge – $150/month
- Contribution Limit Increases: IRS limits for HSA, FSA, and 401(k) are projected to increase to:
- $3,400 for the Healthcare FSA ($680 rollover)
- $4,400 for an Individual HSA and $8,750 for a Family HSA
- HSA Catch-up (55+) remains at $1,000
- $24,500 for participant 401(k) contributions
- $8,000 401(k) Catch-up contributions for age 50+ (additional exclusions will apply, introduced by Secure 2.0 Act)
- Vendor Partnerships:
- Our prescription drug benefit provider will change from Express Scripts to CVS
- You can go to any pharmacy with your coverage, not just a CVS pharmacy location
- Our prescription drug benefit provider will change from Express Scripts to CVS
- NO Plan Design Changes:
- Please refer to the chart below.
| Plan Design | ||||
| PPO 80 | PPO 70 | HDHP | HPN (LHV/HEN only) | |
| Deductible (single/family) | $1,500/$3,000 | $2,000/$4,000 | $2,500/$5,000 | $2,000/$4,000 |
| Co-insurance (in-network) | 80% | 70% | 80% | 70% |
| Out-of-Pocket Max (single/family) | Medical: $4,500/$9,000 Rx: $1,600/$3,200 | Medical: $5,500/$11,000 Rx: $1,600/$3,200 | Combined Medical and Rx: $6,650/$13,300 | Medical: $5,500/$10,000 Rx: $1,600/$3,200 |
| Copayments | $25 $40 | $25 $50 | $80 after deductible | $25 $40 |
Dental and Vision
- No increases for 2026
- No plan design changes
Life/AD&D, Disability, Hospital Care & Critical Illness
- No increases for 2026
Ahealthyme Wellness
- Same program benefits
Other Key Resources to Support You:
- Ahealthyme® Wellness Program: Earn up to $400 per person (or $800 with spouse/domestic partner participation) for completing wellness activities like health assessments and routine checkups.
- Team Member Relief Fund: Apply for cash grants during financial hardship caused by unexpected events like natural disasters, medical emergencies, or death in the family.
- Maven: Comprehensive support for all stages of family planning, including fertility treatments, postpartum care, pediatric resources and menopause support.
- Torchlight: Caregiver support for those managing the needs of children with special needs or eldercare.
Next Steps:
- Attend an Open Enrollment Information Session or Office Hours (meeting invites to come).
- Information Sessions:
- Tues, Oct 28, 10:00 – 11:00 AM EDT
- Wed, Oct 29, 3:00 – 4:00 PM EDT
- Mon, Nov 3, 1:00 – 2:00 PM EST
- Thurs, Nov 6, 11:00 – 12:00 PM EST
- Office Hours:
- Wed, Oct 29, 2:00 – 3:00 PM EDT
- Tues, Nov 4, 2:00 – 3:00 PM EST
- Information Sessions:
- Review the 2026 Benefits Guide and the 2026 Open Enrollment Presentation to understand the 2026 options.
- Log into Workday to confirm or update your elections by November 7.
Ready to enroll?
Log into Workday and make your elections by November 7th. The changes you elect during Open Enrollment begin on January 1, 2026.
If you take no action, your current elections will automatically roll over to 2026, except for the Flexible Spending Account (FSA) and Health Savings Account (HSA). You must actively enroll in the FSA and HSA if you wish to participate in 2026.
Note: Spousal surcharge will automatically apply if no action is taken during Open Enrollment and you have a spouse or domestic partner enrolled on your medical plan.
Need Help?
Contact the Benefits Team at fitforlifebenefits@oceanspray.com or OneSource Virtual at oscbenefits@oceanspray.com for any questions or attend one of the scheduled Open Enrollment Information Sessions or Office Hours.
