Open Enrollment
Our Commitment to You
Clyde & Co is committed to providing you with benefit options that meet your needs, no matter where you are in life. We’re pleased to share that we have limited the premium increases this year while adding key benefit enhancements to support you.
Make Your Elections in ADP Starting Monday, November 10th
Open Enrollment begins on November 10th this year and goes until Friday November 21st. Be on the lookout for an email detailing the ADP Open Enrollment instructions.
Please review the attached 2026 Benefits Overview for updated benefits and cost information.
Our Open Enrollment will be 100% virtual again this year. Access the tools and resources you need to be informed from any device – whether it’s a computer, tablet, or even your smartphone. The link to our virtual benefit website is listed below: clydeco.mybenefits.life
In addition to Open Enrollment information, MyBenefits.Life has plan forms, “find a provider” search links, carrier contacts, SPDs and more.
What’s Changing for 2026?
Here you will see the changes to our benefits package for 2026:
- Delta Dental will replace Cigna as our dental provider effective January 1, 2026. Dental benefits will largely remain the same with the exceptions listed below:
- Dental HMO: Certain copays have been adjusted, please see the Dental HMO Benefit Summary for more details.
- Dental costs will decrease or remain the same depending on your plan selection.
- There will be minor increases to your Medical costs, Vision costs will remain the same.
- Cigna Medical plan changes as follows:
| Plan & Benefit Attribute | 2025 Benefit | 2026 Benefit |
| HDHP Deductible | $3,300 per individual in a family | $3,400 per individual in a family |
| HDHP In-Network Out-of-Pocket Maximum | $3,250 per individual up to $6,500 per family | $4,000 per individual up to $8,000 per family |
| HDHP Out-of-Network Out-of-Pocket Maximum | $5,250 per individual up to $10,500 per family | $6,000 per individual up to $12,000 per family |
| EPO Deductible | $250 per individual up to $500 per family. | $500 per individual up to $1,000 per family. |
| PPO In-Network Deductible | $500 per individual up to $1,000 per family. | $750 per individual up to $1,500 per family. |
| PPO Out-of-Network Deductible | $1,000 per individual up to $2,000 per family. | $1,500 per individual up to $3,000 per family. |
| PPO In-Network Out-of-Pocket Maximum | $2,500 per individual up to $5,000 per family | $3,000 per individual up to $6,000 per family |
| PPO Out-of-Network Out-of-Pocket Maximum | $4,000 per individual up to $8,000 per family | $4,500 per individual up to $9,000 per family |
- Kaiser Medical plan changes as follows:
| Benefit Attribute | 2025 Benefit | 2026 Benefit |
| Fertility | Infertility testing / diagnosis generally covered. ART (Assisted Reproductive Technology) Services not covered. | Covers ART (Assisted Reproductive Technology), with at least three completed oocyte retrievals and unlimited embryo transfers. Broadened infertility definition (removes marital status, sexual orientation, and gender identity barriers). |
- IRS pre-tax limits election limits are increasing for the Health Savings Account (HSA), Healthcare Flexible Spending Account (FSA), and Commuter plans. 2026 annual limits are outlined below.
- HSA: $4,400 for single coverage or $8,750 for family coverage, plus $1,000 catch up if age 55+
- Health FSA: $3,400
- Dependent Care FSA: $7,500
- Commuter plans: $340 per month for both mass transit and parking
Note: K-1 partners pay the full premium associated with their benefit elections, and partner cost impacts may differ from the above. Please refer to your benefit materials for partner premiums.
Need Help? Contact Your Benefits Team
If you have benefit questions or claim issues, you can email northamericahr@clydeco.com, who will help address any of your concerns in a timely matter. Additionally, you can also call the below Clyde representatives if you have additional or more urgent questions.
Kristen Wessel
Kristen.Wessel@clydeco.us
816.278.1788
Kristin Berry
Kristin.Berry@clydeco.us
816.424.8107