Annual Open Enrollment

Annual Open Enrollment is Underway!

Annual Open Enrollment is the time of year where Marketplace members, Municipality members, and Owner-Operators or Relatives can review all the available health plan options, compare plans, and review projected work hours (if applicable) to determine which health plan will best fit your family’s needs and more. The health plan option you choose will provide medical and pharmacy coverage for the upcoming Plan Year, beginning April 1, 2026 through March 31, 2027.

Important Update: Some plan design changes are coming on April 1, 2026. Take a moment to review the details of each health plan option before you decide to keep your current plan or choose a new one

If you have reviewed the changes, and are deciding to keep the same plan, follow these easy steps:

• Log in to your My150 account.
• Select “Keep Current Plan.”
• Review your:
  • Plan coverage details
  • Coverage tier
  • Covered dependents
• Confirm your choice for the upcoming 2026/2027 Plan Year.

Key Reminders for a Successful Open Enrollment

1. Review Your Health Plan Options

Please be sure to pay close attention to the details of each plan, as there are some plan design changes for the 2026/2027 Plan Year.

Also, think about any upcoming medical procedures, prescriptions, or changes in family coverage, consider how frequently you visit doctors or need treatment, and compare costs across plans such as deductibles and out-of-pocket maximums to find one that best fits your budget and healthcare needs.

Municipality Members: During Open Enrollment, you’ll have the opportunity to change the tier of your health plan regardless of the plan you are enrolled in, and you may also switch between Plan A or the EPO Plan. Please note that Municipality members in the OHC Plan cannot change plans.

2. Review Which Plan Options Best Fit Your Budget

Factor in your expected work hours for the year ahead and choose a health plan that fits your budget to help ensure you maintain eligibility throughout the Plan Year.

3. Check Network Status

Check that your current providers are in-network to avoid higher out-of-pocket costs. To locate an in-network provider or facility:

• Plan A, Platinum, Gold, Silver, and Bronze Plans
  • Visit www.bcbs.com
  • Hover over the Members tab as shown on the top ribbon and a pop-up will appear for Find A Doctor
  • After selecting United States, you are prompted to select Choose a location and plan
    • Enter an address, city, or zip code
    • Enter the three-letter prefix on your BCBS medical ID card (Example: MOE123456789, Enter M O E)
    • You will be able to search for doctors, specialty, or facilities by name or type
    • A list of doctors/facilities will be created based on the above criteria
• OHC Plan
  • Visit www.hstconnect.com to access the Provider Finder
  • You will need to create an account by entering your MOE ID located on your HST ID card and some other basic information
  • Select Find a Provider
  • Enter your search criteria (name, NPI, specialty (family practice, therapist), etc.)
  • Providers and facilities in the search results are in-network if indicated by a gold star or an “HST Anchor”

4. Reset Your My150 Password

Haven’t logged in recently? Reset your password to avoid login issues. For help, call Technical Support at 888-220-3599.

5. Plan for the Future

Marketplace Members: If you’re turning 55 in the 2026/2027 Plan Year, decide how many credits you may want to transfer from your Credit Bank to your Retiree Medical Savings Plan (RMSP). Make sure you will have enough credits to maintain coverage through your retirement date.

6. Find Your Sweet Spot

Marketplace Members: If you’re planning to retire and are eligible for the Worker Retention Program (WRP), it’s a good idea to contact the Retirement Services Group to determine your “sweet spot” retirement date. This can help ensure your timing is optimal before transferring credits during Open Enrollment.

7. Review Your Dependents

Open Enrollment is the only time to make dependent changes unless you experience a Life Changing Event during the Plan Year.

8. Review Coordination of Benefits Information

This process determines which health insurance plan is responsible for paying for a patient’s medical care when the patient has multiple health plans.

9. Review Your Beneficiary Info

Ensure all of your beneficiaries are up to date, including their name, Social Security Number, address, and phone number.

10. Update Your Profile Information

Make sure your name, address, phone number, and email are current in your My150 account.

The 2026 Open Enrollment material is linked below for you to review, download, and print.