Open Enrollment
It’s Time to Take Action!
Make Your Benefit Elections: November 3 – 19, 2025
Open Enrollment is your once-a-year opportunity to enroll in and make changes to your benefits. We are pleased to provide competitive benefits, designed with your health and financial protection in mind. We encourage you to review your benefits carefully, so you’ll have the information you need to make Open Enrollment a success.
Who Needs to Enroll?
You!
You must enroll during Open Enrollment to have coverage in 2026. Current elections will not roll over, and benefits will end December 31, 2025, unless you enroll.
After Open Enrollment ends, you won’t be able to make changes to your coverage until the next Open Enrollment period (unless you have a qualifying event, such as marriage or the birth of a child).
Here’s What’s New for 2026
TOI Benefits Site
Now all of your benefits information is in one location! Review this site for detailed plan information, documents, links, resources, and notices.
HMO Whole Health Plan Option
Starting in 2026, you’ll have access to a new, low-cost medical plan with a narrow network designed to help you save while still receiving quality care.
IRS Maximums Are Increasing
For 2026, you can contribute more pre-tax dollars to your HSA and FSA , helping you save on taxes while covering eligible expenses.
HSA Contributions
Company contributions to your HSA will now be deposited each pay period, rather than on a quarterly basis.
Accident, Critical Illness, and Hospital Indemnity Insurance
Accident, Critical Illness, and Hospital Indemnity Insurance will be offered through Aetna in 2026.
Cost for Coverage
Premiums are changing for 2026, including reduced rates for dental and vision coverage.
Your Open Enrollment Checklist
Prepare for Open Enrollment
- Attend an Open Enrollment meeting and ask questions.
- Review our 2026 benefit guide to learn about the plan offerings and make selections.
- Review your depending and beneficiaries for any recent changes.
- Review this site for plan information, documents, and notices.
Enroll in 2026 Coverage
Remember: You must actively enroll in benefits during Open Enrollment. If you don’t make changes during Open Enrollment, your current benefits will not carry over for 2026 and your coverage will end December 31, 2025.
- Log in to TBX Benefits.
- Review and update your dependents.
- Use the Benefits Guru tool to compare options.
- Choose your benefits and hit Submit!
Your benefits will be in effect from January 1, 2026 – December 31, 2026.
Having Trouble Deciding?
Health advocacy options are available to you! Open Enrollment is the perfect time to make sure you’re getting the most out of your benefits. If you need help navigating your options, a Benefit Advocate can guide you. Advocates can answer questions, explain how your coverage works, and help you make confident, informed decisions. They’re also here year-round to save you time and money when questions come up.
A Benefit Advocate can help you:
- Understand your plan options during OE
- Confirm eligibility for coverage
- Find in-network doctors and facilities
- Resolve billing or claims issues
Reach out today to get support in making the best decisions for 2026!
Need Help?
Enrollment Assistance: TBX
TBX Benefits
855-482-9669
Plan Decision Support:
Alliant Benefit Advocates
benefitssupport@alliant.com
800-489-1390
General Benefits Questions:
TOI Total Rewards Benefits Team
benefits@theoncologyinstitute.com