Open Enrollment 2026

Open Enrollment 2026 starts October 15 and ends November 7, 2025. Benefit elections will be effective January 1, 2026.

Important Dates to Remember

October 8
Open Enrollment 2026 materials mailed to employees.
12 pm
Bookkeeper/Business Manager Open Enrollment 2026 webinar.
October 15
Open Enrollment starts. Announcement email sent to employees.
October 25
Open Enrollment reminder postcard mailed to employees.
November 7
Open Enrollment ends. Last day to enroll!
November 13
Dependent documentation due to MCC if enrolling in Optional Life for the first time. Evidence of Insurability due to Unum.
November 30
Benefit Confirmation Statements available to employers.
December 1
Benefit Confirmation Statements should have been received from employer.
January 1, 2026
Benefit changes go into effect.

Open Enrollment 2026 Communications

2026 Medical Plans

Enroll Now

There are two ways to enroll—online through Employee Self-Serve, or by calling the MCC Benefits Team at (800) 395-5565.

Visit ESS to enroll Learn about MCC’s Benefit Plans

How to Enroll

New! MCC Health Savings Accounts and Limited Purpose Flexible Spending Accounts

For 2026, MCC is introducing the MCC Health Savings Account (HSA) plan. Employees who enroll in one of MCC’s high-deductible health plans (HDHP)—PPO2 and PPOHD—will now be able to contribute to an HSA through pre-tax payroll deductions. Plus, they will automatically receive an employer HSA contribution of $50 per month (up to $600 per year) into their MCC HSA.

In addition to HSAs, MCC is adding Limited Purpose Flexible Spending Accounts which are designed for people who have a Health Savings Account and participate in one of the MCC high deductible medical plans, PPO2 or PPOHD. Because the IRS rules prevent participants in a high deductible health plan from having both an HSA and full purpose health care FSA, the LPFSA gives them a way to still use pre-tax dollars for eligible out of pocket dental and vision expenses allowing them to reserve more of their HSA dollars for current and future medical expenses.

Please note: To participate in the HSA and/or LPFSA, your payroll must be provided by Paycor or Doeren Mayhew. Both the HSA and LPFSA will be administered by HealthEquity.

2026 Savings and Flexible Spending Account Maximums

Changes are effective January 1, 2026.

2025 Limit 2026 Limit
Health Savings Account (HSA)*
Self-only $4,300 $4,400
Family $8,550 $8,750
Limited Purpose FSA*
$3,300 $660 rollover from 2025 to 2026 $3,400 $680 rollover from 2026 to 2027
Health Care FSA
$3,200 $640 rollover from 2025 to 2026 $3,400 $680 rollover from 2026 to 2027
Dependent Care FSA
Single / Married Filing Jointly $5,000 $7,500
Married Filing Separately $2,500 $3,750

*These accounts were not available from MCC in 2025. Once your HSA balance reaches $2,000, anything above that can be invested.

Health Plan Pharmacy Changes

Effective January 1, 2026, all four medical plans will move from the Preferred Drug Formulary to the BCBSM Custom Drug Formulary. We encourage you to review the current BCBSM Custom Drug Formulary (the list of drugs covered by a prescription plan) to see how you or your dependent(s) may be impacted:

Keep in mind that BCBSM reviews and updates its formulary quarterly to help ensure members’ safety and to provide cost-effective choices. In addition, prescribing guidelines are adjusted for medicines or supplies, as new drugs become available, or some are removed. So, it is important to revisit the formulary in the new year for any updates. The next scheduled update is January 2026.

In addition to the custom formulary, there will be co-pay changes for the PPO2 and PPOHD plans. The following chart highlights these changes:

PPO2 PPOHD
Current 2026 Current 2026
Tier 1 Prescription DrugsGeneric 30 day/90 day 20% 10% 30% 20%
Tier 2 Prescription DrugsPreferred brand 30 day/90 day 20% 20% 30% 30%
Tier 3 Prescription DrugsNon-preferred brand 30 day/90 day 20% 30% 30% 40%

HOPE

New Catholic EAP and Wellbeing Platform

In September 2025, MCC introduced the HOPE Wellbeing and Employee Assistance Program. HOPE has replaced the TELUS Health EAP. Unlike traditional EAP services, HOPE integrates faith-based support, including spiritual direction, prayer, discernment tools, and reflection resources—to help employees flourish fully in Spirit, Mind, and Body. This benefit is at no cost to you and is available to you and your dependents.

Start your wellbeing journey Learn more about HOPE

Benefit Eligibility

Employees

Benefit Eligibility is based on employee type and class and normal weekly hours:

Lay Employees

Lay Employees classified as “Regular” and normally work 20 or more hours per week are generally eligible for all benefit programs offered by their employing unit.

Priests

Priests, including diocesan, order and extern priests are generally eligible for health and welfare plans offered by their respective diocese.

Religious and Seminarians

Religious and Seminarians are eligible for medical, dental, vision, flexible spending accounts, 403(b) and EAP benefits, when offered by their employing unit.

Temporary, Seasonal and Casual Employees

Temporary, Seasonal and Casual employees are not considered benefit eligible but are subject to Unemployment.

Dependents

The following dependents are eligible for medical, dental, vision, and optional life plans:

Child

A son, daughter, stepson, stepdaughter or a child for whom the participant is legal guardian until the end of the month in which child reaches age 26. This does not include the child of a participant’s child (grandchild) unless the participant has legal guardianship.

Disabled Child

An unmarried child who is incapable of self-sustaining employment by reason of mental or physical disability may be able to be covered to any age if such mental or physical disability occurred before the limiting age as required under the Component Benefit Program, the child is chiefly dependent on the Participant for support and maintenance, and the Participant has submitted a medical certification of the child’s incapacity to the carrier prior to 30 days after the child turning age 26.

Legally Domiciled Adult (LDA)

An individual who is at least eighteen years of age; shares basic living expenses and is financially interdependent with the Participant; resides with the Participant and plans to do so indefinitely; and who is jointly responsible for his, hers, and the Participant's common welfare, and shares financial obligations.

Note

Spouse is not an eligible dependent class under the Michigan Catholic Conference benefit plans due to the federal requirement that if spouse coverage is offered by a health plan, then it must include coverage for same gender spouse.

Benefit Resources

Short videos, documents and forms, and links providing need-to-know information about Open Enrollment, how to enroll, health plans, savings plans, and more.

Videos

Documents and Forms

Links

Open Enrollment 2026 Checklist

    • Phone: (800) 395-5565
    • Email: benefits@micatholic.org
    • Chat: Click or tap the Chat Now button at the bottom of this page
    • Hours: Monday–Friday, 8:15 am to 4:45 pm (excluding holidays)

    Voicemails and emails will be responded to no later than the end of the next business day.

  • Think about how you and your family used benefits in the past and consider your coverage needs for the upcoming year. Review your previous Explanation of Benefits statements (EOBs).

  • Gather items you will need to have on hand when you enroll such as your dependents’ Social Security Numbers and dates of birth.

  • Be sure to print the confirmation page for your records.

  • If applicable, submit any required dependent verification documents such as a marriage license or birth certificates to MCC and Evidence of Insurability to UNUM.

  • Benefit Enrollment Confirmation Statements will be available to employers by November 30.

  • Ensure the appropriate amounts are being deducted.

Download OE26 Checklist