2026 Benefit Contributions
Segal’s medical trend projection for 2026 is just over 9% for HDHP and PPO plans. The company will continue to absorb a larger percentage of the increase than will be passed on to employees. As a result, the Aetna HDHP and PPO premium is increasing 2.5%, less than the 2025 increase for each plan. These are our self-insured plans in which the majority of employees are enrolled. For our fully insured plans, Segal has less control over rates. These plans include our Aetna EPO, Emblem Health HMO and Kaiser HMO. Premium increases for these plans vary at 18%, 4% and 8%, respectively. Because Segal health benefit contributions are based on salary tier to be more equitable, employee contributions on average reflect these premium increases.
You can help manage costs by selecting coverage that is right for you and your family, getting preventive care screenings and staying in-network.
After 3 years without any increase to our Guardian dental contributions, we will have an increase of approximately 8% for 2026. The increase is on average less than an additional $2 per month.
We are not increasing employee contributions for the VSP vision plan offerings for the 4th consecutive year.
Supplemental life, AD&D, spouse and dependent life and AD&D, and supplemental long-term disability employee rates are also not increasing in 2026. You can see 2026 flex credits and contribution rates by visiting the medical coverage, dental coverage, and vision coverage pages.