2026 RYAN SPECIALTY BENEFITS
Your FSA & HSA Contributions
You must re-enroll and choose your annual contribution for your HSA or FSAs during Open Enrollment. The IRS requires you to elect new contributions for your FSA and HSA accounts every year. Review your expenses from the last year and evaluate how much you will need for 2026. Use the Alight system to specify your new contributions.
In 2026:
- Employees enrolled in an HSA can contribute up to $4,400 annually for “Employee Only” coverage and $8,750 for “Employee + Family” coverage.
- Employees can contribute up to $3,400 to a Healthcare FSA.
Plan Changes
In 2026, your medical plan costs will change for the Gold PPO, Silver PPO, and HDHP plans. Dental and Vision rates have slightly changed as well.
See below for a breakdown of 2026 benefit rates.
| 2025 Benefit Plan Rates | ||
|---|---|---|
| Plan | Tier | Monthly Rate |
| MEDICAL | ||
| Gold PPO | Employee Only | $246.94 |
| Employee + Spouse | $725.80 | |
| Employee + Child(ren) | $524.58 | |
| Employee + Family | $1042.40 | |
| Silver PPO | Employee Only | $150.10 |
| Employee + Spouse | $474.04 | |
| Employee + Child(ren) | $332.20 | |
| Employee + Family | $680.80 | |
| Bronze HSA | Employee Only | $97.64 |
| Employee + Spouse | $338.40 | |
| Employee + Child(ren) | $230.46 | |
| Employee + Family | $485.98 | |
| DENTAL | ||
| Dental PPO | Employee Only | $12.40 |
| Employee + Spouse | $25.48 | |
| Employee + Child(ren) | $29.86 | |
| Employee + Family | $42.94 | |
| VISION | ||
| Vision PPO | Employee Only | $8.70 |
| Employee + Spouse | $13.92 | |
| Employee + Child(ren) | $14.20 | |
| Employee + Family | $22.92 | |
New for 2026!
● HSA Bank. Our Health Savings Account (HSA), Health Care and Dependent Care FSAs will now be administered through our new carrier, HSA Bank.
● Alight. We are transitioning to Alight to manage our Commuter benefits. This includes both Parking and Transit.
● New York Life. Ryan Specialty’s new carrier for Basic and Voluntary Life/ AD&D, Short Term Disability, Accident, Critical Illness, and Hospital Indemnity Insurances will be New York Life. With this change, it is important to note:
○ Short-Term Disability coverage is being extended from 13 weeks to 26 weeks. This applies to all new claims filed as of January 1 and going forward.
○ During 2026 Open Enrollment only, employees will be able to elect up to $300,000 in Voluntary Life Coverage, and up to $25,000 for spouse/domestic partner coverage, with no medical underwriting required.
● Twin Health. We are excited to partner with Twin Health to offer personalized support aimed at reversing Type 2 Diabetes and improving overall metabolic health.
● Maven. Our new virtual care platform that offers expanded family support for fertility, maternity, and newborn care.
● Teladoc. This benefit will be replacing MDLive – with Teladoc, you now can connect virtually with a primary care provider for physical and mental health support. It will not only provide access to urgent care but will allow for easier access to primary care physicians.
● IRS Secure 2.0. Employees age 50+ who earned $145,000 or more in FICA wages last year must make catch-up contributions as Roth (post-tax). This change will happen automatically.
● Community Impact Days. Employees will be provided with 2 paid days to volunteer in their communities. For more information on this benefit, please reference the FAQ located in the Document Library.
