What’s Changing
Each year, we take a close look at our benefits program and consider changes that could better support the diverse needs of you and your family for your total well-being. We focus on providing quality programs and services for your physical, social, financial, and emotional health.
As part of our holistic, inclusive approach to benefits, we’re pleased to announce some enhancements to our current benefits program. Most enhancements and changes take effect January 1, 2026, unless otherwise noted. Here’s what’s changing.
Introducing Anthem Blue Cross Blue Shield (BCBS)
We’re committed to providing valuable benefits that help you and your family stay well and access care when you need it. Starting January 1, 2026, Huber’s medical carrier will switch from Aetna to Anthem BCBS. The move to Anthem will bring you better savings, seamless access to your trusted providers and continue high-quality care with added enhancements such as a dedicated family advocate for you and your family with Total Health Complete (THC).
All three medical plan options will remain the same. Your current medical plan option will automatically continue, unless you actively elect a change. New Anthem ID cards will be mailed in mid-December and will be digitally available. Prescription drug coverage will remain with Express Scripts.
Anthem features larger provider discounts, strong provider networks and a new Sydney Health Mobile app that helps you stay connected to your healthcare information.
Anthem’s Large National Network
As a covered member, you will have access to in-network providers, hospitals, or other healthcare services, through both the Blue Open Access POS (for care in the state of GA), and the National PPO (BlueCard PPO) (for care outside the state of GA) networks. Anthem's network provides flexibility when traveling across various states, while the Huber plans still allow you to receive care from in-network or out-of-network providers.
To find a provider, visit findcare.anthem.com, enter prefix FJM, and select Continue. You can also call Anthem Customer Service at 1-844-614-3094 for assistance. Hours of operation are Mon – Fri 8am – 8pm EST for phone and chat assistance.
If your doctor is not in the Anthem network and you need to continue care…
To assist during this transition, Huber is providing Continuation of Care for a defined period of time. This allows you to continue receiving care from your current provider or facility if they are out of network in the Anthem system and you are undergoing treatment for certain medical conditions or circumstances, such as pregnancy or a cancer diagnosis and treatment, as determined by your healthcare needs.
To get started, both you and your provider will need to complete a Continuation of Care form, available on the Resources page, or click here.
New! Family Advocate Concierge Service through Anthem
You and your family will have access to tailored, white-glove concierge support through Total Health Complete (THC). THC sets you up with a dedicated family advocate to help you and your family with everyday needs and unexpected emergencies – at no extra cost to you. The family advocate:
- Serves as a single point of contact for employees and their families.
- Provides assistance across all benefits — medical, prescription drug, dental, vision, and more — helping with scheduling and providing access to a team of experts.
- Stays on top of preventive care and managing chronic conditions.
- Helps you to quickly receive preapprovals for urgent medical needs, like surgery.
Services are delivered by licensed professionals, including Social Workers, Registered Dietitians, Pharmacists, and more, ensuring expert support when you need it. More details will be available in early January 2026.
HealthEquity is Our New Flexible Spending Account (FSA) and Health Savings
Account (HSA) Administrator
Here’s what to know right now:
FSA
Starting January 1, 2026, HealthEquity will take over administration of the 2026 FSA funds. Inspira will continue to administer any remaining 2025 FSA funds through the grace period, allowing you to incur eligible expenses until March 15, 2026. Expenses will need to be submitted manually since debit cards will be terminated.
Please note that any 2025 FSA balances must be used by the grace period, and all claims must be submitted for reimbursement by April 30, 2026. After this date, any remaining 2025 FSA funds will automatically be forfeited.
The Flexible Spending Accounts (FSA) contribution limits are as follows:
- $3,300 for the Health Care FSA* for individuals
- $7,500 for the Dependent Care FSA ($6,825 from you plus up to $675 from Huber, representing a 10% company match). The limit is reduced to $3,750 for married individuals filing separately.**
HSA
If you have an existing HSA balance, you will need to provide electronic consent (e-consent) by January 6, 2026 to authorize the automatic transfer of your HSA funds from Inspira to HealthEquity. The automatic transfer is expected to take place in early 2026 and will require any investments within your HSA to be liquidated in advance, which may be subject to a blackout period. If you do not provide e-consent, your HSA balance will remain with Inspira and will be subject to applicable monthly administrative fees. New debit cards will be mailed in mid-December.
The Health Savings Account (HSA) contribution limits for 2026 from both you and Huber are:
- $4,400 for employee-only coverage
- $8,750 if you cover dependents
- If you’re age 55 or older, you may contribute an additional $1,000.
* The maximum pre-tax amount you may contribute to your Health Care FSA will increase to match the new IRS maximum limit for 2026 (IRS announcement anticipated in late 2025, after this newsletter is finalized). New debit cards will be mailed in mid-December.
** For the 2026 year, an employee who earned greater than $160,000 during 2025 is considered an HCE (Highly Compensated Employee). If you are an HCE, you are limited to contributing a maximum of $3,000 (with the possibility of further adjustments) in total Dependent Care FSA contributions for the 2026 plan year, due to annual non-discrimination testing compliance requirements. If Huber fails the annual non-discrimination testing in early 2026, then dependent care contribution refunds may be issued back to you in order for the plan to stay in compliance.
Remember! You must actively enroll in your HSA and/or FSAs each year, as your current elections will not carry over into the following year.
Dental Plan
See your dental coverage options.
Vision Plan
See your vision coverage options.
Enhanced! Increased Frames and Contacts Allowance:
To help you look and feel your best, Huber is increasing the annual allowance for frames and contacts under the vision plan from $180 to $200!
Cost of Coverage
In 2026, Huber is continuing to cover 85% of the healthcare cost despite the increases in costs due to inflation.
Your medical, dental, and vision plan contributions will have a minimal increase in 2026.
While there will be a slight increase in medical contributions this year (<$1 - $9 per paycheck), we want to reaffirm our commitment to your health and wellness. Huber will continue taking on a greater share of healthcare costs.
2026 Bi-Weekly employee contributions
Medical
| Plan and Coverage Level | Wellness Credit | No Wellness Credit |
|---|---|---|
| Core | ||
| Employee only | $62.41 | $90.10 |
| Employee + child(ren) | $123.53 | $151.22 |
| Employee + spouse | $146.08 | $201.46 |
| Family | $227.96 | $311.04 |
| Choice I | ||
| Employee only | $36.84 | $64.53 |
| Employee + child(ren) | $78.77 | $106.46 |
| Employee + spouse | $94.03 | $149.41 |
| Family | $148.33 | $231.41 |
| Choice II | ||
| Employee only | $9.65 | $37.34 |
| Employee + child(ren) | $26.02 | $53.71 |
| Employee + spouse | $39.04 | $94.42 |
| Family | $65.06 | $148.14 |
| Opt-out* | $23.08 bi-weekly cash back | |
*If you have the Medical and/or Dental opt-out credit and do not actively enroll during Annual Enrollment, the opt-out will carry over to 2026.
Dental
| Coverage level | Dental I | Dental II |
|---|---|---|
| Employee only | $9.24 | $5.99 |
| Employee + child(ren) | $18.00 | $9.14 |
| Employee + spouse | $18.00 | $11.58 |
| Family | $30.35 | $17.24 |
| Opt-out* | $2.31 bi-weekly cash back | |
*If you have the Medical and/or Dental opt-out and do not actively enroll during Annual Enrollment, the opt-out will carry over to 2026.
Vision
| Coverage level | Vision Care Plan |
|---|---|
| Employee only | $4.43 |
| Employee + child(ren) | $8.86 |
| Employee + spouse | $8.41 |
| Family | $14.17 |
Remember! The annual wellness credit will automatically apply as long as the following actions have been taken:
- You and your covered spouse* must have completed an annual preventive physical exam between September 1, 2024, and August 31, 2025, and
- Complete the tobacco/nicotine-free attestation during the 2026 Annual Enrollment period between November 3 – 19, 2025.
For more information, visit the Healthy Huber page.
*Your covered children are not required to get an annual physical for you/your spouse to receive the credit.
Additional Programs to Support You and Your Family
Available Now! Extra Back-Up Care for Parents
Through the Bright Horizons Return-to-Work (RTW) Program, parents with a newborn or adopted child can access an additional 10 days of back-up care to support their transition with back to work after leave. The additional back-up care days are automatically applied after you register your new dependent child on your Bright Horizons portal. To learn more, visit https://clients.brighthorizons.com/huber.
Available Now! Milk Shipping Reimbursement Program
The Progyny Milk Shipping Reimbursement Program supports actively working employees who are traveling for work by reimbursing the cost of shipping breast milk. This benefit helps ensure that nursing employees can maintain their breastfeeding routine even while on business travel. Reimbursement is available at up to $500 per calendar year. Patient Care Advocates (PCAs) are available to provide guidance on managing the logistics of shipping breast milk, including assistance with services like FedEx Milk. To learn more, visit www.progyny.com.
Enhancement to the 529 ABLE Program
Starting January 1, 2026, the ABLE Age Adjustment Act will allow individuals with disabilities who developed their disability before age 46 to become eligible for ABLE accounts to save for disability-related expenses in a tax-advantaged way. These updates reflect the ongoing efforts to support individuals with disabilities in achieving financial independence and maintaining eligibility for public benefits. Employees can also link their ABLE (disability savings) account with Gift of College to allow for convenient automated payroll deductions (after-tax), plus earn $25 in Huber company match per paycheck, making it easier to build savings for long-term needs.
Learn more about the 529 ABLE Program.
Take Action
You must take action during Annual Enrollment (November 3 – 19) in order to make changes to your benefits, confirm your tobacco-free status to receive your wellness credit*, and/or elect 2026 contributions for an FSA or HSA.
* You and your covered spouse must have completed an annual preventive physical exam between September 1, 2024 and August 31, 2025.
What happens if you don’t enroll?
If you don’t enroll, you will keep your current coverage in 2026, with the exception of your FSA/HSA annual elections and/or your wellness credit. Note, if you have the Medical and/or Dental opt-out and do not actively enroll during Annual Enrollment, the opt-out will not carry over to 2026.
Don’t miss the deadline
After Annual Enrollment ends, you won’t be able to change your benefits coverage during the year unless you experience a qualified life status event, such as a marriage, divorce, birth or adoption of a child, or a change in your or your spouse’s employment status that affects your benefits eligibility.
How to enroll
Complete your annual enrollment conveniently by any of the following options: online, through an app or by phone.
New! BenefitsGO App
Easily access your current benefits and coverage at your fingertips with the all new BenefitsGO app!
- Complete your Annual Enrollment and/or Life Status Event benefit elections with ease.
- Access detailed information about your benefits, health, and savings accounts.
- Upload documents, such as proof of benefits, directly through the app.
- Turn on notifications under settings, to receive helpful reminders to keep you informed about your benefits.
- And much more!
BenefitsGO is replacing EmpyreanGO, which is no longer valid. Your prior credentials will no longer work. You must register for BenefitsGO using your Huber work email as your username. Use the Employer Code 871383 when registering on the app.
Download the BenefitsGO app today!
Later in 2026, you will be able to receive personalized recommendations based on your actual medical and pharmacy claims history within the BenefitsGO mobile app.
Who’s eligible to enroll?
All regular full-time employees are eligible for Huber’s benefits program. Regular part-time employees are eligible for certain benefits (see the Benefits-at-a-Glance table).
In addition, you may also cover your eligible dependents, which includes your:
- Spouse
- Child(ren) up to age 26
- Disabled children of any age (for a disabled child over the age of 26 to be considered eligible, they must be primarily supported by you and incapable of self-sustaining employment due to disability. Proof of the condition and dependence will need to be provided to the medical plan provider.)
Verify dependents
If you are adding any new dependents to your benefit plans, you are required to provide valid proof documentation by no later than January 31, 2026. If your supporting documents are not provided or are invalid, your dependents will not be added to coverage.
You may upload proof documentation through BenefitsGO.
If you do not have online access, you may submit proof documentation to Empyrean via mail or fax at:
J.M. Huber Benefits Service Center
Attn: J.M. Huber Dependent Verification Dept.
P.O. Box 1227
Bellaire, TX 77402
Fax: 866-440-8220
Decision Support
Choosing the right plans is important for both your health and your financial well-being. These resources will help you understand your options and select the ones that provide the right coverage and value for you and your family.
- 2026 Annual Enrollment Newsletter – Review key details, reminders, and deadlines related to Annual Enrollment.
- 2026 Annual Enrollment Presentation – Read this presentation at your convenience for an overview of what’s changing and what action to take during Annual Enrollment.
- Prescription Plan Cost Comparisons – Gain a better understanding of your prescription drug costs with each of Huber’s medical plan options. Express Scripts offers an interactive tool where you can price a medication, find out what medications are covered, locate a pharmacy, and more.
Precision Benefits Decision Support Tool
The Precision Benefits Decision Support Tool is here to help you make informed choices and maximize the value of your benefits.
- Determine which medical plan option is best suited for you.
- Plan and manage your current healthcare expenses.
- Find cost-effective providers and estimate future costs.
- And more — available year-round for your convenience!
TIP: Think about the whole cost.
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).
How to Enroll
You have two ways to enroll in your benefits - through BenefitsGO (online or via the app) or by phone.
Enroll through BenefitsGO
- Online:
- Within the Huber Network: Using OKTA, click the “BenefitsGO“ tile, select the SSO (single-sign-on) button, and register using your Huber work email
- Outside the Huber Network: Visit huberbenefits.com and follow the prompts to register your account using your Huber work email
- App:
- Download the BenefitsGO mobile app from the Apple App or Google Play stores
- Enter Employer Code 871383 and click on the SSO button and register using your Huber work email
Enroll by phone at 1-844-347-9035
Representatives are available to assist you Monday through Friday from 9am to 6pm Eastern Time.
Your enrollment checklist
Use this checklist to make the most of your Annual Enrollment opportunity:
- Think about your coverage needs, including how much health care you anticipate needing.
- Complete your tobacco-free family attestation to receive the wellness credits next year*.
- Make sure your dependent information is correct and all your dependents are still eligible.
- Update your Flexible Spending Account (FSA) annual contribution election.
As a reminder FSA is “use-it-or-lose-it” and does not carry over to the next year. - Update your Health Savings Account (HSA) annual contribution election.
- Review your beneficiaries — it’s a good idea to look over your beneficiary information (especially if your personal circumstances have changed) and make updates as needed.
- Take advantage of the tools and resources available to help you make informed decisions about your benefits.
- Complete your benefits enrollment by November 19.
- Remember: After Annual Enrollment ends, you cannot change your benefit elections unless you experience a qualified life status event, such as a birth or marriage.
*You and your spouse must have completed an annual physical between September 1, 2024 and August 31, 2025.
Benefit Options
Annual Enrollment is your opportunity to enroll in benefits for 2026. Here’s list of the Huber benefit options you may elect during Annual Enrollment. (Note: This is not an inclusive list of all Huber benefits. Explore this website to learn more.)
- Medical: You have a choice of three plans: Core, Choice I, or Choice II. You can also elect to opt-out of medical coverage to receive cash back bi-weekly.
- Dental: You have a choice of two plans: Dental I or Dental II. You can also elect to opt-out of dental coverage to receive cash back bi-weekly.
- Vision: Choose the Vision Care Plan or waive coverage.
- Health Savings Account (HSA): Available with Choice I or Choice II; Huber will make an annual contribution of $600 or $1,200 based on your coverage level (prorated based on eligibility date).
- Health Care Flexible Spending Account (FSA): Available with Core or waived coverage.
- Dependent Care FSA: Available to all eligible employees – Huber matches 10 cents on every dollar (to a maximum of $675)
- Accident Insurance: Supplements your medical coverage with cash benefits for specific injuries and treatment resulting from an accident.
- Critical Illness Insurance: Supplements your medical coverage with cash benefits for a diagnosed covered illness.
- Hospital Indemnity Insurance: Supplements your medical coverage with cash benefits for a covered hospital stay.
- Supplemental life insurance: Benefits to provide financial support in the event of death; various coverage levels available for you, your spouse, and/or child(ren).
- Supplemental AD&D insurance: Benefits to provide financial support in the event of an accidental death or dismemberment; various coverage levels available.
- Legal Services Plan: Unlimited legal support for covered issues from network attorneys nationwide.
- Identity Theft Protection:* Comprehensive identity theft protection, credit monitoring, remediation services, and identity theft Insurance.
- Pet Insurance:* Coverage to help protect you from the financial impact of veterinary care for your pet.
*While Annual Enrollment is a great time to consider these plans, you may enroll in Identity Theft Protection and Pet Insurance at any time during the year.