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 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.
  Note: You are not eligible to contribute to an HSA if you or your spouse contribute to a Health FSA or are covered by an HRA that pays or reimburses medical expenses prior to meeting the HDHP minimum deductible. See IRS Publication 969 for complete information.
• 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.

**IRS “use it or lose it” rule applies: You must use the funds you contribute from your paycheck by December 31 each year or the funds are forfeited.

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.

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:

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