2026 Open Enrollment Resource Site
NEW THIS YEAR
Medical & Rx
HealthKeepers 5000: New lowest cost medical plan option.
Other
2026 Medicare Supplement Rate: $434.36 (effective January 1, 2026).
ADMINISTRATOR RESOURCES
DUE 10/2: TOBACCO SURCHARGE & WELLNESS CREDIT TEMPLATES
Employers offering a Tobacco Surcharge and/or a Wellness Credit / Surcharge for their employees in 2026 must download, complete and return the template(s) to VBA Benefits Corp. by October 2nd.
Tobacco Surcharge Template (Monthly) - if applicable, please download, complete, and email to benefits@vabankers.org
Wellness Credit ER Template (Monthly) – if applicable, please download, complete, and email to benefits@vabankers.org
due 10/8: open enrollment application
The 2026 Open Enrollment Application is now available in bswift. The application will close on Wednesday, October 8th.
All employers must complete the application by October 8th. For any items that require you to contact the VBA, please be sure to do so BEFORE October 8th. For application instructions, please refer to the presentation slides from our Open Enrollment Administrator Webinar.
due 10/10: 2026 compensation update
Your employee’s current compensation (as of 9/30/25) must be in bswift by Friday, October 10th. This process can be completed as soon as your application is submitted. The 2026 Compensation Update Instructions are located on your bswift administrator home page, under the “What’s New” section. After completing the imports, please make sure that all records were completed successfully with no errors.
10/24 – 10/30: PRE-OPEN ENROLLMENT TESTING
2026 OE Guidelines and Testing Scenarios
- Who: ALL administrators that will have employees enroll in VBA sponsored benefit plans for the 2026 plan year.
- What: The VBA Benefits Corp. asks administrators to preview their Open Enrollment site every year in a testing environment that replicates the bswift platform.
- Where: Testing is completed in the bswift Sandbox site (not the regular bswift site).
- When: The bswift Sandbox site will be available for testing at noon on Friday, October 24, through Thursday, October 30.
- How: View the 2026 OE Guidelines and Testing Scenarios. If any of your test scenarios fail, please return the completed spreadsheet, with your notes, to the Benefits Corp Mailbox. You do not need to return the testing spreadsheet if all scenarios have successful results. Testing will end on Thursday, October 30, when the Sandbox site refreshes. Please note: Banks that access bswift via Single Sign On (SSO) should use their specific Sandbox URL to access their testing site. Please email us if you need help accessing your Sandbox site.
Contribution modeling worksheets
If you’re changing your employer contributions for the upcoming plan year, please consider using the contribution model matrixes the VBA provides to analyze employee impact and overall cost impact for various contribution scenarios.
Contribution Modeling Matrix- 4 tier
Contribution Modeling Matrix- 5 tier
Medical & Dental Plan Design Comparison Charts
Medical Plan Design comparison 2026
Dental Plan Design comparison 2026
Medical and Dental Plan Design Chart- Excel version
OPEN ENROLLMENT COMMUNICATIONS
2026 Open Enrollment Logo – use this logo in your OE communications to increase employee recognition.
Open Enrollment Booklet template (Revised 10/10) – customize highlighted content.
One-Page Summary of 10/10 Updates to the 2026 Open Enrollment Booklet
Open Enrollment Presentation template – customize highlighted content.
OPEN ENROLLMENT NEWSLETTERS
OE 2026 Weekly Newsletter - September 25
OE 2026 Weekly Newsletter - October 16
COMPLIANCE
2026 Medicare part d creditable coverage letter
The Creditable Coverage Letter is a document containing information about the VBA Benefits Corp.’s prescription drug benefit and Medicare Part D. This will apply to employees and covered dependents who are 65 or older, employees with a disabled dependent and/or those who are thinking about retirement. Please note for 2026, all of the VBA Benefits Corp.’s plans are creditable.
2025 & 2026 Medicare Part D Creditable Coverage Letter - Customize and distribute the notice to employees by October 12, 2025. Electronic distribution is acceptable.
Dependent Verification
Dependent Verification - Acceptable Documentation
MEDICAL & RX
Summary of Benefits and Coverage (SBC)
HealthKeepers 5000 – New this year.
Rx RESOURCES
Coming soon.
Communications/Flyers
Comparing KeyCare and HK Networks
DENTAL
summaries
Delta Dental 2026 Basic Plan Summary
Delta Dental 2026 Comprehensive Plan Summary
Delta Dental 2026 Indemnity Plan Summary
Delta Dental 2026 Voluntary Plan Summary
communications
Coming soon.
VISION
summaries
Coming soon.
communications
Coming soon.
WELLBEING POINT SOLUTIONS
VOLUNTARY BENEFITS
SUMMARIES
All summaries can be found on the Securian Microsite.
COMMUNICATIONS
Coming soon.
RECORDED PRESENTATIONS
2026 Open Enrollment Administrator Webinar: September 18 at 10:30am