Benefits

If you want to participate in the FSA, Limited Purpose FSA, or DCAP for 2026, you must enroll during annual open enrollment, even if you are enrolled for the current year. Don’t wait until the last minute! The SEBB open enrollment deadline is closer than you think. Navia Benefit Solutions must receive your enrollment no later than November 24, 2025. (Exception: You do not have to be enrolled in an FSA to receive the $200 contribution per the SEBB collective bargaining agreement, if eligible. Learn more below.)

About FSA and DCAP

An FSA allows you to set aside pretax money from your paycheck to pay for out-of-pocket health care costs. A Limited Purpose FSA is limited to only dental and vision expenses. DCAP allows you to set aside pretax money from your paycheck to pay for qualifying childcare or elder care expenses.

Contribution limits

The minimum contribution for the FSA and Limited Purpose FSA in 2026 is $120 and the maximum contribution limit is $3,400. The minimum contribution for DCAP is $120 and the maximum contribution limit for DCAP increased to $7,500 per household for 2026 ($3,750 each if you are married and filing separate tax returns).

How to enroll

You have two options for how to enroll:

• Log in and enroll on the Navia Benefit Solutions webpage.
• Complete Navia’s SEBB 2026 Open Enrollment form, available on Navia’s Forms & Documents webpage and submit it as instructed on the form.

Navia Benefit Solutions must receive your enrollment no later than November 24, 2025.

FSAs and UMP High Deductible don’t mix

If you have UMP High Deductible with a health savings account (HSA), you can enroll in a Limited Purpose FSA for eligible dental and vision expenses, but you cannot enroll in the FSA. If you enroll in an FSA and UMP High Deductible, you will be automatically disenrolled from the FSA.

If you enroll in UMP High Deductible and still have at least $120 in your FSA from a previous year, the leftover amount (up to $660) will be converted to a Limited Purpose FSA.

FSA funds may carry over

If you have an FSA in 2025, unused funds up to $660 may carry over and be used for 2026. IRS rules require that any amount over $660 be forfeited to the plan administrator, the Health Care Authority. The minimum carryover amount is $120. Any amount under $120 will be forfeited unless you enroll in an FSA for 2026.

Deadlines for claims

All 2025 FSA, Limited Purpose FSA, and DCAP expenses must be incurred by December 31, 2025. You must submit all 2025 claims to Navia Benefit Solutions for reimbursement by March 31, 2026.

$200 FSA contribution for eligible employees

If you're a school employee earning $40,000 or less during the state fiscal year prior to the plan year, as reported to the Department of Retirement Systems (DRS), and you meet SEBB Program eligibility requirements, you might qualify for a $200 FSA contribution in January 2026, per the collective bargaining agreement (CBA). The funds will not be deducted from your paycheck, and no action is required to receive the funds. You will be notified by February 2026 if you are awarded this contribution.

To qualify, you must not waive SEBB medical coverage, unless you're covered as a dependent on another SEBB medical plan that is not UMP High Deductible. You cannot be enrolled in an FSA and UMP High Deductible at the same time.

For more details, including a full list of eligibility requirements, please see the CBA FAQs.

Questions

For questions about:

FSA/DCAP: Visit the SEBB Program’s Flexible Spending Arrangements and Dependent Care Assistance Program webpages or contact Navia Benefit Solutions at 1-800-669-3539 from 5 a.m. to 5 p.m. (Pacific), Monday through Friday.

Your enrollment or SEBB account: Check Benefits 24/7. If you still have questions, contact your payroll or benefits office.

Health plan benefits: Contact the plans.

Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for login issues only. Contact your payroll or benefits office for other account-related issues.

Note: If you will not cover a spouse or state-registered domestic partner (SDRP) under your SEBB medical coverage in 2026, the information below does not apply.

In October, the SEBB Program mailed letters to employees who must attest to the spouse or SDRP coverage premium surcharge during annual open enrollment (October 27 through November 24, 2025). During open enrollment, you can also check whether you need to attest by logging in to Benefits 24/7.

You must attest by November 24, 2025

If you do not attest as required (or if you attest that the surcharge applies), you will be charged the $50 monthly premium surcharge beginning January 1, 2026. The surcharge will remain in effect for the rest of 2026 unless you have a qualifying event that allows you to change the attestation. Learn more about the surcharge on the SEBB Program’s Spousal coverage surcharge webpage.

How to attest

If you need to attest, you can either use Benefits 24/7 or the SEBB 2026 Premium Surcharge Attestation Change form.

To attest in Benefits 24/7:

1. Log in to Benefits 24/7.
2. Click on the blue “Open Enrollment” chevron on your dashboard to begin using the Open Enrollment (OE) wizard.
3. If you are not adding dependents, choose “No.” If you are adding dependents, choose “Yes” and complete the steps. When you are done adding dependents, choose “No.” The dependent review screen will appear and list all your covered dependents.
4. Click the “Next” button to complete your attestation.
5. Respond to the questions. You may need to gather information about your spouse’s or SRDP’s available medical plans and use the link to the Spousal Plan Calculator to find out if their plan is comparable to UMP Classic.
6. Once the attestation is complete, continue through the OE wizard to make any additional changes. Be sure to go all the way through the wizard and then click “Confirm” on the last screen.
7. Download and save a summary of your elections for your records.

Questions

For questions about:

Your enrollment or SEBB account: Check Benefits 24/7. If you still have questions, contact your payroll or benefits office.

Benefits: Contact the plans.

Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for login issues only. Contact your payroll or benefits office for other account-related issues.

Here are some additional resources for you to review:

2026 SEBB Enrollment Guide

2026 Monthly Premiums

Prescription drug coverage by provider:

UMP 

Premera (scroll down to the plan comparison to see the link for the lists) 

Kaiser Permanente

Beginning January 1, 2026, UMP Plus–Puget Sound High Value Network (PSHVN) and UMP Plus–UW Medicine Accountable Care Network (ACN) will no longer be available.

During annual open enrollment, October 27 through November 24, 2025, UMP Plus subscribers must select a new medical plan, or they and any enrolled dependents will be automatically enrolled in UMP Achieve 2 with coverage starting January 1, 2026. View the announcement on the HCA website for more information about this change.

Learn more about your other plan options with benefits comparisons, plan premiums, and more on the SEBB open enrollment webpage.

Questions

For questions about:

Your enrollment or SEBB account: Check Benefits 24/7. If you still have questions, contact your payroll or benefits office.

Benefits: Contact the plans.

Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for login issues only. Contact your payroll or benefits office for other account-related issues.

Log in to Benefits 24/7 during the School Employees Benefits Board (SEBB) Program’s annual open enrollment, October 27 through November 24, 2025, to make changes to your coverage. Open enrollment changes must be made in Benefits 24/7 by 11:59 p.m. on November 24.

Tips for using Benefits 24/7

• You will need a SecureAccess Washington (SAW) account. If you already have a SAW account, you do not need a new one.
• You must start the login process from the Benefits 24/7 login page. Benefits 24/7 is not available to select from the list of services in SAW.
• Google Chrome is the preferred browser. (Edge, Firefox, and Safari also work.)
• If you are already enrolled in SEBB benefits, you will be able to view the current enrollment details for yourself and your enrolled dependents in Benefits 24/7.

Logging in to Benefits 24/7

Visit Benefits 24/7 and click the green "Log into Benefits 24/7" button under the "Subscriber/Benefits administrator" heading. You will be directed to log in through SAW.

If you do not have a SAW account, you will be prompted to create one using the steps below.

1. Click "Sign up."
2. Enter your: Name, personal email address, username, and password. (Remember to save your username and password in a safe place so you don't forget them the next time you log in.)
3. Check the box to indicate you are not a robot and click the “Submit” button.
4. Follow the link to activate your account.
5. Check your email for a message from SAW.
   • Click on the confirmation link, then close the account-activated browser window that opens and return to your original window.
   • Follow the instructions on the screen to finish creating your account.
6. Watch for your code. After you log in to SAW, you will be prompted to add multifactor authentication. Select how you'd like to receive a code. The system will send you a code.
7. Enter the code and then click “Submit.”
8. You will be sent back to Benefits 24/7. Follow the steps under "Log in to Benefits 24/7."

If you already have a SAW account, you do not need to create a new one.

1. Enter your SAW username and password.
2. SAW uses multifactor authentication. Choose the method to receive a code. If only one email address was entered, there will only be one option to select.
3. Enter the code and then click “Submit.” If you have logged in to Benefits 24/7 before, you'll be directed to your dashboard.
   • If this is your first log in: Provide the requested information and click “Verify my information,” then select your security questions and add answers. You will be directed to your dashboard.

How to make open enrollment changes in Benefits 24/7

After logging in to Benefits 24/7:

1. Click on the “Open Enrollment” chevron and follow the prompts.
2. Verify your plan elections and that any dependents are enrolled as expected.
3. Download and save a copy of your elections.

If you need paper forms

Paper forms are available on the HCA Forms & publications webpage or from your payroll or benefits office. Completed forms must be received by November 24.

Questions

For questions about:

Your enrollment or SEBB account: Check Benefits 24/7. If you still have questions, contact your payroll or benefits office.

Benefits: Contact the plans.

Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for login issues only. Contact your payroll or benefits office for other account-related issues.

Below are some important changes coming to your School Employees Benefits Board (SEBB) Program benefits. All changes are effective January 1, 2026, unless otherwise noted. View the announcement for the full list of changes.

UMP Plus plans closing

UMP Plus–Puget Sound High Value Network and UMP Plus–UW Medicine Accountable Care Network medical plans will no longer be available after December 31, 2025. UMP Plus subscribers must choose a new medical plan during open enrollment or they will be automatically enrolled in UMP Achieve 2.

Hearing aid coverage

Hearing aids will no longer be capped at a specific dollar amount. Members must see an in-network provider to receive hearing aids or they will not be covered by the plan, and the member will have to pay for them out of pocket. Members can use the hearing aid benefit every 36 months.

For UMP members, the hearing aid benefit is being changed to an allowed amount for one prescribed hearing aid per ear every 36 months. Members may be responsible for hearing aid charges exceeding the allowed amount.

Deductible increase for UMP High Deductible

The IRS minimum deductible for high-deductible health plans will increase to $1,700 for individual coverage and $3,400 for family coverage.

Employer-paid long-term disability (LTD)

The maximum monthly benefit for basic (employer-paid) LTD insurance is increasing to $450. Employee-paid LTD premiums will decrease by two percent.

Questions

For questions about:

Your enrollment or SEBB account: Check Benefits 24/7. If you still have questions, contact your payroll or benefits office.

Benefits: Contact the plans.

Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for login issues only. Contact your payroll or benefits office for other account-related issues.

This year, open enrollment runs from October 27 through November 24. The School Employees Benefits Board (SEBB) Program has prepared online and in-person resources for you to learn about your SEBB health plan changes, 2026 premiums, and other insurance options.

In-person benefits fairs

Speak directly with plan representatives and get your questions answered at benefits fairs happening across the state. Check out the SEBB Benefits fair webpage to find locations, schedule updates, and presentation information.

Virtual benefits fair

Skip the traffic and explore your benefits anytime, anywhere with the virtual benefits fair. Simply go online to the virtual benefits fair to access videos, plan comparisons, and other tools to help you choose the right coverage and learn about any changes to your health plans.

Open enrollment webpage

Visit the SEBB Open enrollment webpage to compare plans, see 2026 changes, and use Benefits 24/7 to update coverage, manage dependents, and attest to surcharges if required.

Intercom newsletter

The October Intercom newsletter is your one-stop shop for the most important open enrollment information, sent directly to your mailbox or email. It includes information about benefit changes for 2026, changes you make during annual open enrollment, how to make changes, and more.

Questions

For questions about:

Your enrollment or SEBB account: Check Benefits 24/7. If you still have questions, contact your payroll or benefits office.

Benefits: Contact the plans.

Benefits 24/7: Go to the Help with Benefits 24/7 web page or call the login assistance phone line at 1-866-335-0043. This line is for login issues only. Contact your payroll or benefits office for other account-related issues.

The School Employees Benefits Board (SEBB) Program’s annual open enrollment runs from 12 a.m. October 27, 2025, through 11:59 p.m. on November 24. Please take note of these dates so you don’t miss your chance to make benefit changes.

Open enrollment is a time when you can make changes to your health plans and benefit enrollment. The changes you make during open enrollment will take effect on January 1, 2026. This means your current enrollment stays the same through December 31, 2025.

Changes you can make

During annual open enrollment, you can:

• Change your medical plan
• Change your dental plan
• Change your vision plan
• Add or remove dependents
• Attest to the spouse or state-registered domestic partner coverage premium surcharge for 2026, if required
• Enroll in the Flexible Spending Arrangement (FSA), Limited Purpose FSA, or Dependent Care Assistance Program (DCAP) through Navia Benefit Solutions
• Enroll in medical coverage, if waived
• Waive your medical coverage if you are enrolled in another employer-based group medical plan, TRICARE, or Medicare

Learn more about open enrollment on the SEBB open enrollment webpage and in the October Intercom newsletter.

Questions

For questions about:

Your enrollment or SEBB account: Check Benefits 24/7. If you still have questions, contact your payroll or benefits office.

Benefits: Contact the plans.

Benefits 24/7: Go to the Help with Benefits 24/7 webpage or call the login assistance phone line at 1-866-335-0043. This line is for login issues only. Contact your payroll or benefits office for other account-related issues

It’s almost time for SEBB Open Enrollment—your annual opportunity to review and make changes to your benefits! 

Open Enrollment runs from October 27 through November 24, 2025.

You can find detailed information and updates on the SEBB website here:
 SEBB Open Enrollment Information

What’s Changing for 2026

Effective January 1, 2026, both UMP Plus plans—UMP Plus–Puget Sound High Value Network and UMP Plus–UW Medicine ACN—will no longer be available.
If you are currently enrolled in one of these plans, you’ll need to choose a new plan by November 24, 2025.
If no action is taken, you and any enrolled dependents will automatically be moved to UMP Achieve 2.

During Open Enrollment, You Can:

• Change your medical, dental, or vision plan.

• Add or remove dependents.

• Attest or re-attest to the spouse or state-registered domestic partner (SRDP) coverage premium surcharge for 2026.

  • SEBB will mail three notification letters to employees who need to re-attest during open enrollment.

• Enroll or re-enroll in the FSA, LPFSA, or DCAP program through Navia Benefit Solutions.

• Waive medical coverage if you’re covered under another employer-based group plan, TRICARE, or Medicare.

• Enroll in a medical plan if you previously waived coverage.

• Enroll in or opt out of the state’s premium payment plan.

Employees who make changes will receive confirmation letters by December 10, 2025.

No Changes? No Problem!

If you’re happy with your current benefits, no action is needed. Your current medical, dental, and vision coverage will automatically continue into the next plan year.

Need Help?

We’ll be offering in-person Open Enrollment support sessions in November to assist with benefit registration and changes. Dates and locations will be shared soon—stay tuned!

We encourage everyone to take a few minutes to review your benefits and make sure your coverage still meets your needs.