Open Enrollment

Welcome to Benefits Open Enrollment. You have the opportunity to enroll from Oct. 27 through Nov. 14.

Your mental, emotional, physical, financial and social needs are important. We’re making changes to ensure the firm supports your health care needs while offsetting rising costs. And we’ll continue working to better serve your needs.

Please invest the time you need to learn about your options so you can choose what’s best for you and your family. You must actively enroll if you want to:

  • Set aside spending account funds (HSA/FSA/LPFSA/DCRA) for use in 2026.
  • Add legal plan coverage, identity and fraud protection, pet insurance, accident, critical illness or hospital indemnity insurance through MetLife.
  • Change coverage elections.

What's new

Pharmacy benefit partner

To help you manage your prescription costs and improve the coordination of medical and pharmacy services, we're replacing Express Scripts with CarelonRx, the pharmacy benefit manager for Anthem. Having your medical and pharmacy benefits in one place will make managing your health care easier. Don’t worry – you don’t have to take any action now. You’ll receive more information soon about how to make a smooth transition for you and your family. Review this FAQ or visit www.anthem.com/mcr/edwardjones for additional information.

Adult orthodontia coverage

The Premium dental plan will now include coverage for adult orthodontia services, with a lifetime coverage maximum of $2,000 per eligible member.

Coverage opportunities from MetLife

Edward Jones is committed to offering coverage as cost-effectively as possible. We are offering new coverage options at group rates – which means you pay less than you would if you purchased them on your own.

  • Legal plan coverage offers practical help from a network of attorneys for both anticipated and unexpected legal support needs, with no deductibles, attorney fees or waiting periods for covered services. Enroll during annual enrollment and pay through payroll deduction.
  • Identity and fraud protection through Aura offers two levels of device and privacy protection (both with a family coverage option) and 24/7 assistance if you need it. Enroll during annual enrollment and pay through payroll deduction.
  • Pet insurance can help reimburse you for covered vet visits, accidents, illness and more with a customized plan that works best for you and your beloved pets. Use any licensed veterinarian, with no limits on the number of health incidents covered or lifetime benefit amounts. Enroll any time and pay MetLife directly.

*The voluntary pet insurance and identity and fraud protection benefits provided by MetLife are provided as a convenience to you and are not sponsored or endorsed by Edward D. Jones. They are not employer-sponsored ERISA benefit plans.  

Don’t forget, you also have the option to choose accident, critical illness and hospital indemnity insurance from MetLife. They can supplement your medical coverage by providing cash payments you can use to pay deductibles, coinsurance and other expenses.

You’ll find more information on all these benefits on the Voluntary Benefits page.

Get more information and enroll in legal plan coverage, identity and fraud protection, pet insurance, accident, critical illness and hospital indemnity insurance directly through MetLife at metlife.benselect.com/edwardjones.

What’s changing

Anthem offers dedicated family advocate

You and your covered family members can receive enhanced support from Anthem dedicated family advocates in 2026. Your dedicated family advocate can help you get the most from your medical coverage by assisting with scheduling, preventive care, pharmacy, chronic condition management and preapprovals. The family advocate is available by phone or through the Sydney Health app.

Bariatric surgeries must be performed by Lantern providers

Starting in 2026, bariatric (weight loss) surgeries will be covered only if you work through Lantern. Lantern helps you find board-certified surgeons at a lower cost for your surgery.

Spending accounts and HSA contribution limits increase for 2026

You can set aside even more tax-free money to pay for eligible health and dependent care expenses in 2026:

  • A Health Savings Account (HSA)* provides tax savings and helps you save for medical expenses. The new limit for total HSA contributions is $4,400 for associate-only coverage and $8,750 for all other tiers. You can contribute $1,000 more if you’ll be 55 or older in 2026. Both you and the firm may contribute to your account. For more information, contact Health Equity, discuss your HSA with your financial advisor and check the eligibility section of the Tax-advantaged accounts page.
  • A Health Flexible Spending Account (Health FSA) also allows you to set aside pre-tax money for health care expenses and lower your taxes. You can contribute up to $3,300 to your account in 2026 for eligible medical, dental and vision expenses.
  • A Limited Purpose Flexible Spending Account (LPFSA) is a way to set aside pre-tax money for dental and vision expenses and lower your taxes when you’re contributing to an HSA. For example, it pairs well with the new Premium dental plan adult orthodontia coverage. You can contribute up to $3,300 to your account in 2026.
  • A Dependent Care Reimbursement Account (DCRA) provides tax savings and helps you save for child care expenses. You can contribute up to $7,500 to your account in 2026, up from $5,000.

*The HSA is not an Edward D. Jones sponsored benefit. Eligibility requirements apply, and contribution limits are set by the IRS.

Deduction timing reflected in rates

As previously communicated, the timing of deductions for benefits is changing due to 2026 payroll changes. This may make the 2026 rate increases seem higher or lower than they would under 2025 deduction timing. Please visit Gateway for more information.

More benefits and savings

Surgery savings:

For many types of surgery, Lantern can connect you with board-certified surgeons delivering high-quality care and better outcomes at a lower cost. When using Lantern, your coinsurance for your procedure will be waived after you have met your deductible.

Health screening benefits:

The MetLife accident plan offers a $50 to $100 annual cash payment, and the critical illness plan offers a $50 annual cash payment when you or a covered family member completes one of the covered screenings or tests. (This is in addition to any medical plan premium discounts you may receive.)

Health and weight management support:

Vida Health provides personalized coaching and resources to help you lose weight, improve your well-being and prevent chronic conditions and health problems.

Don’t miss out on medical plan savings!

Dec. 5 is the deadline for completing health and well-being activities to earn up to $1,600 off your 2026 medical premium. Log in to Personify Health to take action.

* Well-being discounts are available to all associates enrolled in an Edward D. Jones medical plan outside the state of Hawaii.

Enroll or make changes by Nov. 14

When you’re ready to enroll, go to the Online Enrollment System (must be on the Edward Jones network) starting Oct. 27.

View a printable PDF of the  2026 Enrollment Guide mailed to associate homes.

Premiums

We understand that health care costs affect you and your families, and we want to be transparent about why they’re rising. The bottom line is the cost of medical services and pharmaceuticals is increasing in the United States, and as our members use more of these services and drugs, the cost of our coverage (premiums) rises too.

We’re working diligently with our benefit providers to find ways to minimize the impact of rising costs and explore plan design changes that balance affordability with quality care.

As you review the cost of your coverage options, you’ll note the following:

  • Rate increases are higher for coverage tiers that include spouses/domestic partners. That’s because those groups use coverage more than others. As a result, they generate more plan costs than other members.
  • We’re incorporating the child well-being discount into the rates, rather than applying it as a separate line item on the paycheck. That means rate increases will look lower than they would otherwise for those covering one or more children and no spouse/domestic partner.

View 2026 premiums for your role:

Get help choosing

Let ALEX help you find the right plans

This online decision support tool can help you choose the benefits plans that may best meet your needs. ALEX will ask you a few questions to understand you and your family's unique needs. It will help you estimate your expenses for 2026 and give personalized recommendations, allowing you to make confident and informed benefit choices. ALEX will also model how your HSA, FSA, LPFSA or DCRA might help you save and cover your out-of-pocket expenses.

Medical plan refresher

Still wondering whether you’re choosing the right medical plan? Here’s a reminder of how the plans work and how they compare. For more information, visit the Medical and Prescription Drug page.

In-network preventive care

Plan pays
100%

Non-preventive medical and Rx

Deductible

You pay
100%

CoInsurance

Plan pays 80%

You pay 20%

Meet OOP maximum

Plan pays
100%

Watch: Your medical plan choices

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Watch: How deductibles work

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Watch: How coinsurance works

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Silver:
Individual/Family
Gold:
Individual/Family
In-network deductible $4,000/$8,000 $2,000/$4,000
In-network out-of-pocket maximum $6,000/$12,000 $4,000/$8,000
Out -of-network deductible $6,000/$12,000 $4,000/$8,000
Out-of-network out-of-pocket maximum $8,000/$16,000 $7,000/$14,000
Preventive care (no deductible) Plan pays 100% Plan pays 100%
Other covered care and prescriptions (before deductible) You pay 100% You pay 100%
Other covered care and prescriptions (after deductible, before OOP max) Coinsurance:
Plan pays 80%/You pay 20%
Coinsurance:
Plan pays 80%/You pay 20%
Other covered care and prescriptions (after OOP max) Plan pays 100% Plan pays 100%

Ready to enroll?

  • Consider whether you want to enroll in the new legal plan coverage, identity and fraud protection or pet insurance. And don’t forget about accident, critical illness and hospital indemnity insurance, which complement your medical plan coverage. Enroll in the new and existing benefits options directly through MetLife starting Oct. 27.
  • Research the medical plan network. Make sure your doctors and hospitals are included in Anthem's network.
  • Visit ALEX for help choosing. This online decision support tool can help you choose the benefits plans that may best meet your needs.
  • Update your beneficiaries for life insurance and final wages when you enroll. To update your HSA beneficiaries, contact HealthEquity. To update your 401(k) beneficiaries, log in to your account on the Retirement Plan website.
  • Provide proof of eligibility if you add dependents during Open Enrollment. You’ll receive instructions from our third-party administrator, Aptia, via your Edward Jones email and at your mailing address after you enroll.
  • Review your final Confirmation Statement and notify the Open Enrollment Team no later than Nov. 28, 2025, if you need to make any corrections.
  • If you have questions, call the Open Enrollment Team at 855-898-5780 or OEBenefits@edwardjones.com. They’re available 7 a.m. to 5 p.m. CT starting Oct. 27.
  • When you’re ready to enroll, go to the Online Enrollment System (must be on the Edward Jones network) starting Oct. 27.

View a printable PDF of the 2026 Enrollment Guide mailed to associate homes.