What's Changing for 2026
Our comprehensive health and wellness benefit programs will include the following updates, effective January 1, 2026:
- Aetna HDHP deductible and out-of-pocket maximum will be increasing: The IRS minimum deductible for a qualified HSA eligible HDHP increases each year and in order to keep ahead of projected increases we are adjusting the levels this year. Importantly, Segal will contribute more to your HSA in 2026. Full details are on the Aetna HDHP with HSA page.
- HSA contribution limits: The maximum pretax contribution is increasing to $4,400 if you have individual coverage and $8,750 if you have employee plus one or employee plus family coverage. If you’re age 55 or older in 2026, you can make an additional $1,000 pretax catch-up contribution.
- Dependent Care FSA contribution limits: The annual limit is increasing to $7,500 from $5,000. This plan helps you save money by paying the cost of day care for eligible dependents pre-tax. If you foresee a need for dependent care for a qualifying dependent child under 14, or other qualifying relative (see IRS publication 502), consider electing this benefit up to a new higher maximum.
- Healthcare FSA contribution limits: The Health Care Flexible Spending Account annual limit is $3,300, with the ability to roll over up to 20% of unused funds from one year to the next. This plan helps you save money on eligible health care expenses by setting aside pre-tax money.
- Lyra Health Work-life Benefits: Lyra Health provides EAP services including therapy, on-demand courses and work-life services (WLS). Their WLS will transition to Carelon Behavioral Health on January 1, 2026. WLS help employees resolve everyday challenges that impact their well-being, from child and elder care to financial stress and legal questions. Members can receive high-touch support from Carelon’s WLS Specialists through a unified platform accessible directly via Lyra.