ANNUAL ENROLLMENT OCTOBER 27-NOVEMBER 7
2026 Annual Enrollment
OSU Annual Enrollment is October 27 - November 7, 2025 for changes effective January 1, 2026.
What's new or different for 2026 benefits?
- Salary-banded tiers for medical plan premiums
- Working Spouse Rule
- Increase in Health Savings Account (HSA) and Dependent Care Account (DCA) contribution limits
- Increased individual deductible for the BlueEdge High Deductible Health Plan from $3,300 (2025) to $3,400 (2026)
- Programs being retired:
- Medefy, care navigation program
- Ovia, maternity care program through Blue Cross Blue Shield
Enrollment
When making Annual Enrollment elections, remember:
- Must complete your annual Catapult Health screening to receive the $30 health insurance premium credit.
- Must make new elections each year for your Health Flexible Spending, Dependent Care Flexible Spending and/or Health Savings accounts.
- Must ensure dependents are added to each plan for which you wish to cover your dependents. When adding new dependents, verficiation will be required.
- Confirm your elections once complete.
To enroll, log into my.okstate.edu and navigate to the "employee" tab. Under "Benefits and Deductions," select "Benefits: Enroll, Verify, Qualifying Life Event" to be taken to the benefits administration portal.
- Enrollment Guide2026 Benefits Guide Coming Soon!
- Eligibility
Be sure to review the information regarding eligibility to determine who can be covered on your plan(s).
Understanding Your Benefits Sessions
Join the OSU Benefits team for an overview of the plan options for 2026 Annual Enrollment. These sessions are designed to offer a high-level overview of what you can expect to see when you log in to make your elections. Questions will be answered as time allows. To register for one of the sessions, click the link below or visit the Learning Management System.
Tuesday, Oct. 21: Virtual from 3 p.m. to 4 p.m.
Wednesday, Oct. 22: Virtual from 2 p.m. to 3 p.m.
Thursday, Oct. 23: Virtual from 11 a.m. to noon
Health Premiums
Below, plan premiums for the two Blue Cross Blue Shield Plans are broken down by pay structure and salary band. Wellness credits are not factored into these amounts. To claim the $30 wellness credit, a Catapult health screening must be completed.
- Monthly Paid, Blue Options PPO Plan
Salary up to $39,999 Employee Pays Institution Pays Total Premium Employee Only $140.00 $585.80 $725.80 Employee + Spouse $475.64 $1,048.50 $1,524.14 Employee + Children $345.30 $961.10 $1,306.40 Family $592.54 $1,729.98 $2,322.52 Salary ranging from $40,000 to $74,999 Employee Pays Institution Pays Total Premium Employee Only $155.00 $570.80 $725.80 Employee + Spouse $520.64 $1,003.50 $1,524.14 Employee + Children $375.30 $931.10 $1,306.40 Family $652.54 $1,669.98 $2,322.52 Salary ranging from $75,000 to $149,999 Employee Pays Institution Pays Total Premium Employee Only $170.00 $555.80 $725.80 Employee + Spouse $565.64 $958.50 $1,524.14 Employee + Children $405.30 $901.10 $1,306.40 Family $712.54 $1,609.98 $2,322.52 Salary of $150,000+ Employee Pays Institution Pays Total Premium Employee Only $185.00 $540.80 $725.80 Employee + Spouse $610.64 $913.50 $1,524.14 Employee + Children $435.30 $871.10 $1,306.40 Family $772.54 $1,549.98 $2,322.52 - Monthly Paid, BlueEdge High Deductible Health Plan
Salary up to $39,999 Employee Pays Institution Pays Total Premium Employee Only $120.00 $597.54 $717.54 Employee + Spouse $307.24 $1,162.14 $1,469.38 Employee + Children $220.40 $1,059.64 $1,280.04 Family $360.44 $1,803.26 $2,163.70 Salary ranging from $40,000 to $74,999 Employee Pays Institution Pays Total Premium Employee Only $135.00 $582.54 $717.54 Employee + Spouse $352.24 $1,117.14 $1,469.38 Employee + Children $250.40 $1,029.64 $1,280.04 Family $420.44 $1,743.26 $2,163.70 Salary ranging from $75,000 to $149,999 Employee Pays Institution Pays Total Premium Employee Only $150.00 $567.54 $717.54 Employee + Spouse $397.24 $1,072.14 $1,469.38 Employee + Children $280.40 $999.64 $1,280.04 Family $480.44 $1,683.26 $2,163.70 Salary of $150,000+ Employee Pays Institution Pays Total Premium Employee Only $165.00 $552.54 $717.54 Employee + Spouse $442.24 $1,027.14 $1,469.38 Employee + Children $310.40 $969.64 $1,280.04 Family $540.44 $1,623.26 $2,163.70 - Biweekly Paid, Blue Options PPO Plan
Salary up to $39,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $70.00 $292.90 $362.90 Employee + Spouse $237.82 $524.25 $762.07 Employee + Children $172.65 $480.55 $653.20 Family $296.27 $864.99 $1,161.26 Salary ranging from $40,000 to $74,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $77.50 $285.40 $362.90 Employee + Spouse $260.32 $501.75 $762.07 Employee + Children $187.65 $465.55 $653.20 Family $326.27 $834.99 $1,161.26 Salary ranging from $75,000 to $149,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $85.00 $277.90 $362.90 Employee + Spouse $282.82 $479.25 $762.07 Employee + Children $202.65 $450.55 $653.20 Family $356.27 $804.99 $1,161.26 Salary of $150,000+ Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $92.50 $270.40 $362.90 Employee + Spouse $305.32 $456.75 $762.07 Employee + Children $217.65 $435.55 $653.20 Family $386.27 $774.99 $1,161.26 - Biweekly Paid, Blue Edge High Deductible Health Plan
Salary up to $39,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $60.00 $298.77 $358.77 Employee + Spouse $153.62 $581.07 $734.69 Employee + Children $110.20 $529.82 $640.02 Family $180.22 $901.63 $1,081.85 Salary ranging from $40,000 to $74,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $67.50 $291.27 $358.77 Employee + Spouse $176.12 $558.57 $734.69 Employee + Children $125.20 $514.82 $640.02 Family $210.22 $871.63 $1,081.85 Salary ranging from $75,000 to $149,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $75.00 $283.77 $358.77 Employee + Spouse $198.62 $536.07 $734.69 Employee + Children $140.20 $499.82 $640.02 Family $240.22 $841.63 $1,081.85 Salary of $150,000+ Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $82.50 $276.27 $358.77 Employee + Spouse $221.12 $513.57 $734.69 Employee + Children $155.20 $484.82 $640.02 Family $270.22 $811.63 $1,081.85
Dental Premiums
3 plans from which to choose:
- Low: $1,000 annual benefit
- High: covers orthodontia for children under 26, $2,000 annual benefit
- Platinum: covers adult orthodontia, in-office teeth whitening, extra cleanings, nitrous oxide, $3,000 annual benefit
| 2026 Monthly Premiums | Low Plan | High Plan | Platinum Plan |
|---|---|---|---|
| Employee | $46.42 | $60.86 | $93.90 |
| Employee + Spouse | $91.96 | $120.78 | $186.88 |
| Employee + Children | $105.62 | $177.10 | $278.56 |
| Family | $163.32 | $229.20 | $361.14 |
| 2026 Biweekly Premiums (per pay period) | Low Plan | High Plan | Platinum Plan |
|---|---|---|---|
| Employee | $23.21 | $30.43 | $46.95 |
| Employee + Spouse | $45.98 | $60.39 | $93.44 |
| Employee + Children | $52.81 | $88.55 | $139.28 |
| Family | $81.66 | $114.60 | $180.57 |
Vision Premiums
2 plans from which to choose:
- Basic and Buy-Up
- Buy-up plan has higher allowances and choice between:
- Additional $70 frame allowance, or
- Additional $50 contact lens allowance, or
- Covered-in-full anti-reflective coating, or
- Covered-in-full progressives
| 2026 Monthly Premiums | Basic | Buy-Up |
|---|---|---|
| Employee | $7.74 | $15.94 |
| Employee + Spouse | $15.50 | $31.92 |
| Employee + Children | $16.58 | $34.16 |
| Family | $26.52 | $54.58 |
| 2026 Biweekly Premiums (per pay period) | Basic | Buy-Up |
|---|---|---|
| Employee | $3.87 | $7.97 |
| Employee + Spouse | $7.75 | $15.96 |
| Employee + Children | $8.29 | $17.08 |
| Family | $13.26 | $27.29 |
Additional Benefits to Elect During Annual Enrollment
- Short Term Disability
Lincoln Financial Group Short Term Disability
- 100% employee paid
- Covers employee only
- Sick leave bank must be exhausted
- 14 week benefit (15 day elimination period/12 week payout)
- Benefit availability and rates are based upon participation (15% of benefits eligible employees must elect benefit to offer)
- EOI will be required during Annual Enrollment if coverage was previously declined. EOI not required during new hire benefit elections.
- Premiums are age banded
- LIfe Insurance
OSU provides Basic Life and Accidental Death and Dismemberment (AD&D) coverage to continuous, regular employees who work at least 30 hours a week or 0.75 FTE or greater. The coverage for Basic Life and AD&D provided by OSU is two-times the employee’s annual salary up to $100,000 maximum coverage.
OSU also offers you the opportunity to purchase additional insurance for yourself and your family provided by Lincoln Financial. During open enrollment, employees may elect to enroll or increase coverage in the supplemental, employee-paid, Voluntary Group Life Insurance by up to $40,000 (in $10,000 increments), so long as the employee is not at their guaranteed issue amount or has not had a prior evidence of insurability denial.
- Employee Supplemental Guaranteed Issue is two-times annual salary in $10,000 increments not to exceed $300,000.
- Employee Supplemental with Evidence of Insurability is five-times annual salary in $10,000 increments not to exceed $750,000.
Supplemental Spouse life can be increased by one ($10,000) increment during annual enrollment, without Evidence of Insurability if not already at guaranteed issue (GI) for spouse life. Additional coverage subject to limitations and requires Evidence of Insurability.
- Spouse Supplemental Guaranteed Issue is 1 x employee salary in $10,000 increments not to exceed $130,000.
- Spouse Supplemental with Evidence of Insurability is up to $380,000.
For more details regarding the Basic Life and AD&D as well as the supplemental, employee-paid, Voluntary Group Life, please visit the OSU Benefits Life Insurance site.
- MASA Ambulance
- MASA Ambulance (pdf)
- 100% employee paid and covers entire family (must select all dependents at enrollment)
- Covers what insurance doesn’t
- Works with all Ground and Air ambulance carriers
- $14 per month pre-tax plan provides coverage in U.S. and Canada
- $39 per month pre-tax plan provides coverage Internationally as well as U.S. and Canada
For more information visit the OSU Benefits MASA site.
- Health Savings Account
- Must be enrolled in the BlueEdge High Deductible Health Plan
- Cannot have an HSA and Health FSA within the same household
- Cannot be covered on another health plan that is not high deductible
- Cannot be enrolled in Medicare A and/or B
- 2026 maximum contributions, including employer contributions:
- Individual - $4,400; with the employer contribution of $750, your maximum is $3,650.
- Family - $8,750; with the employer contribution of $1,250, your maximum is $7,500.
- Age 55 and older can contribute an additional $1,000.
- Flexible Spending Accounts
FSA limit in 2025 was $3,300. The IRS has not released 2026 FSA limits.
A maximum of $660.00 of unused 2025 funds will carryover into the 2026 plan year. See below for election information.
- Health Flexible Spending Account (FSA)
- Projected maximum contribution for 2026 is $3,400.
- Can be used for your household out-of-pocket health care expenses
- Dependent Care Flexible Spending Account (DCA)
- Single individuals and married couples filing jointly: $7,500
- Married couples filing separately: $3,750
- Can be used for childcare expenses of your dependent children under age 13 and mentally or physically adults with disabilities.
- Health Flexible Spending Account (FSA)
- Voluntary Retirement Plans (403(b) and 457(b) and Roth 457(b))
- New IRS Rule for 2026: if you are age 50 and older and if your OSU 2025 FICA earnings exceeded $145,000, then your catch-up contributions are required to be made in the after-tax ROTH options for the 403(b) and 457(b). Elect the catch-up contributions during Annual Enrollment.
- Contribution limits have not been set by the IRS for 2026.
- Contribution amounts may be changed at any time throughout the year. Log into the benefits administration system and fill out a Qualifying Life Event: Spending Account Change.