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PHMC Health and Wellness Benefits

PHMC’s Open Enrollment for 2026

Wednesday, November 12 through Wednesday, November 26.

Benefits at a Glance

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2026 Benefits – Key Changes

Keystone HMO:

Deductible increase $2,000 (single) / $6,000 (family) on certain services where deductible applies.

Keystone POS:

Co-insurance increase to 20% on certain services where deductible applies.

Personal Choice PPO:

Copay increases:

  • Primary Care Physician (PCP): $20
  • Specialist/Therapy/Diagnostic: $40
  • Outpatient Surgery: $200

High-Deductible Health Plan (HDHP):

There will be no charge / no deductible for Virtual Care services through Teladoc.

Employer HSA Contributions:

  • PHMC will continue to make HSA contribution deposits on a per pay basis for employees enrolled in the HSA Qualified HDHP. The annual PHMC contribution will total $700 for all coverage tiers.
  • 2026 HSA Annual Maximums
    • $4,400 – single
    • $8,750 – family
  • $1,000 catch-up contribution for individuals 55 and older.

FSA – 2026 Maximums:

  • Heath Care – $3,400/annual
  • Dependent Care – *$7,500/annual
  • Parking – $340/monthly
  • Transit – $340/monthly

*Dependent Care FSA Limit – The IRS increased the dependent care FSA annual limit for 2026 to $7,500 to reflect inflation and implement provisions from the One Big Beautiful Bill (OBBB). Employers are not required to adopt the new limit; however, PHMC has chosen to adopt the new limit increase of $7,500 annually for dependent care accounts. This is the first increase to the dependent care limit since 1986.

Questions?

For benefit questions or assistance with enrollment, contact NFP Benefits Center at PHMCBenefitsCenter@nfp.com or 866-521-8543.

For issues or questions accessing the PHMC Identity Platform or Bswift, email HelpDesk@phmc.org.