Your 2026 Healthcare: Annual Enrollment 101 

It’s that time again: Annual Enrollment is almost here. Are you overwhelmed by the numerous health plans available and anxious about selecting the one that will best meet your needs and those of your dependents in 2026? Well, we’ve got help for you.

These seven steps take a lot of the guesswork out of the process:

1. Learn the terminology. The Glossary of Health Coverage and Medical Terms from the Centers for Medicare & Medicaid Services is a good resource to consult.
2. Peruse our guide, document handbooks, and the benefits summaries of our medical and dental plans to understand what they cover—and don’t cover. You may be surprised by some of the benefits, such as membership discounts to your local gym and discounts on LASIK surgery under the EyeMed benefit.
3. Consider a Consumer-Directed Health Plan (CDHP) paired with a Health Savings Account (HSA) if offered by your participating group. These plans have high deductibles and out-of-pocket limits, but if you’re in reasonably good health, you may end up spending less on healthcare while your HSA account value grows to help cover future medical expenses.
4. Explore our SEE Plan if you’re 65 and over and an active employee of a small employer. Enrolling in such a plan may save both you and your employer money.
5. Estimate your 2026 care needs. Even if you’re not expecting major events, such as having a baby or undergoing surgery, you can get a sense of your medical, dental, and vision needs by reviewing your healthcare expenses for 2025 and speaking with a doctor you know and trust.
6. Check provider networks. If your physicians are not in our Anthem or Cigna networks, Quantum Health’s Care Finder helps you locate high-value providers who are and thus may save you money. Kaiser members can call Kaiser for information about their in-network providers.
7. Find out whether your current plan is being offered next year. If it isn’t, you must enroll in a new plan, or you will not have Medical Trust coverage in 2026

And don’t forget that Quantum Health is available to help members enrolled—or eligible to enroll—in an Anthem or Cigna network* plan to

• review existing benefits,
• understand plan options, and
• choose the right plan for 2026

Simply call 866-871-0629, Monday to Friday, 8:30 AM to 10:00 PM ET.

*Members covered by Kaiser Permanente and by the Hawaii Medical Service Association have comprehensive services as part of their plans and will not use Quantum. Neither will members enrolled only in a dental plan (through Delta Dental), a disability policy (through Aflac), and/or the standalone Employee Assistance Program.