Open Enrollment is your annual opportunity to review, update, or make changes to your health benefit elections for the upcoming plan year. All Open Enrollment changes will be effective January 1, 2026 – December 31, 2026. The first payroll deduction for the new plan year will be processed on the December 2025 pay warrant.

Outside of the open enrollment period, changes to an election plan can only be made if an employee experiences a qualifying life event. The employee must notify the Benefits Department at HRbenefits@mtsac.edu within 30 days of the life event date.

COST OF COVERAGE

• 2026 Plan Premiums & District Contributions

HOW TO ENROLL

• Meet with an American Fidelity Representative one-on-one.
  • To make an appointment with an American Fidelity Representative, click the following AFenroll link to locate a specific date and time that will work for you, https://enroll.americanfidelity.com/DFAFF435, or you may call 1-800-365-9180, ext. 0.

We ask that employees needing to make health plan changes ONLY use the online AFenroll site . Please DO NOT make changes using the CalPERS website. Unfortunately, CalPERS does not presently have a way to turn off this feature.

 

 KEY ENROLLMENT INFORMATION

• If you take no action during open enrollment period, your current 2024-25 medical, dental, and vision plans will remain in effect; however, the 2025-26 premium rates will apply.
• Section 125 Flexible Spending Account (FSA) is an employer sponsored plan that allows you to set aside pre-tax funds for qualified medical, dental, and vision. If you would like to enroll or re-enroll you are required to meet with an American Fidelity benefit counselor.
• You are eligible to set aside pre-tax funds for dependent care expenses (DFSA). If you would like to enroll or re-enroll you are required to meet with an American Fidelity benefit counselor.

KEY DEPENDENT VERIFICATION INFORMATION

• To continue coverage for your covered dependents, you are required to meet with an American Fidelity benefit counselor and provide the necessary eligibility documents for each covered dependent during the open enrollment period.
• Failure to provide the required documentation during the open enrollment period may result in your dependents being dropped from your coverage, effective January 1, 2026.

DEPENDENT DOCUMENTS

• CalPERS Dependent Eligibility Document List
  • If your government-issued marriage certificate or domestic partnership certificate cannot be provided, the CalPERS affidavit must be completed and notarized.
• CalPERS Affidavit of Marriage/Domestic Partnership Form

MEDICAL OPT-OUT RECERTIFICATION

If you currently opt out of medical coverage, your HR Benefits team will contact you directly via email with instructions to re-certify your opt-out status for the new plan year. This will occur after the conclusion of open enrollment.

Changes to other benefits can be made directly through the online Open Enrollment platform.

QUESTIONS

If you have questions about the dependent verification recertification or plan designs for your medical, dental, or vision coverage options, please contact the Benefits Department at HRbenefits@mtsac.edu.