Use this guide to decide your benefit elections before entering them in the Benefits Tile. Planning ahead will make the process quicker and help you select the correct options.
For a more detailed explanation of each plan type, refer to the FY26 Benefits Elections Checklist and Guide (Google Doc).
1. Medical Insurance – Regence BlueShield of Idaho
Plan Types Available :
Choose one of the following options:
Note: Each plan includes both Medical and Vision
- Preferred Provider Organization Plan
- High Deductible Plan with HSA
- High Deductible Plan (without HSA)
- Traditional Plan
- Waive Medical/Vision Coverage (If Medical is waived, skip to Section 2: Dental
Tax Election Options:
Choose one of the following options:
- Pre-Tax
- After-Tax
Coverage Types Available:
Choose one of the following options:
- Employee Only
- Employee + Spouse
- Employee + Child
- Employee + Children
- Employee + Spouse + Child
- Employee + Spouse + Children
Note: You must choose either Pre-Tax or After-Tax for both Medical and Dental coverage. The same tax election applies to both.
2. Dental Insurance – Blue Cross of Idaho
Plan Types Available:
Choose one of the following options:
- Blue Cross Dental Plan
- Waive Dental Coverage (If Dental is waived, skip to Section 3: HSA)
Tax Election Options:
Choose one of the following options:
- Pre-Tax
- After-Tax
Reminder: The same tax election (Pre-Tax or After-Tax) applies to both Medical and Dental coverage.
Coverage Types Available:
Choose one of the following options:
- Employee Only
- Employee + Spouse
- Employee + Child
- Employee + Children
- Employee + Spouse + Child
- Employee + Spouse + Children
3. Health Savings Account (HSA) administered – Navia
Only available if you are enrolled in a High Deductible Health Plan (HDHP). Skip this section if you are not enrolled in the High Deductible Health Plan.
Employer Contributions:
Choose one of the following options:
- $500 per year: Only available if you chose the Employee Only High Deductible Health Plan option
- $1,000 per year: Only available if you at least one Beneficiary on the High Deductible Health Plan option
- Waive Employer HSA Coverage (If HSA coverage is waived, skip to Section 4: FSA)
Employee Contributions:
Choose one of the following options:
- HSA Employee Only
- HSA Employee + Family
- Waive Employee HSA Coverage
Employee Contribution Amount:
A specific dollar amount can be chosen per pay period
FY 2026 HSA maximum contribution limits
- $4,300 maximum for individual coverage
- $8,550 maximum for family coverage
Note: This total includes both employer and employee contributions.
4. Flexible Spending Accounts (FSA) administered – Navia
Health Flexible Spending Account (FSA)
Choose one of the following options:
- Health FSA Coverage
- Limited Purpose Health FSA Coverage (for High Deductible Health Plan participants only)
- Waive Health FSA Coverage (If FSA Coverage is waived, ignore the following FSA steps)
Employee Contribution Amount:
- A specific dollar amount can be chosen per pay period
- FY 2026 Maximum Contribution: $3,300
- If enrolling during Open Enrollment: $126.92 is the maximum amount per pay period that can be contributed (26 x 126.92 = 3,300)
Dependent Care Flexible Spending Account (DCFSA)
Not available if you chose an Employee Only Health Plan option
Choose one of the following options:
- Dependent Care Flexible Spending Account Coverage
- Waive Dependent Care Flexible Spending Account Coverage
Employee Contribution Amount:
- A specific dollar amount can be chosen per pay period
- FY 2026 Maximum Contribution: $5,000
- If enrolling during Open Enrollment: $192.30 is the maximum amount per pay period that can be contributed (26 x 192.30 = 5,000)
Tips to Calculate Your Per-Paycheck FSA Contribution:
- Decide your total FSA contribution for the plan year
- Divide that amount by the number of paychecks (26 per year)