2026 Employer Benefits Election
EMPLOYER BENEFITS ELECTION 2026
Employer Benefits Election: Sept. 2–12
Welcome to your go-to destination for information about and resources for your 2026 Employer Benefits Election. Bookmark this page, as we’ll update it as additional details become available.
The "Employer Benefits Election Guide 2026" is a great resource to reference as you begin your 2026 benefits election process.
Why choose Concordia Plans benefits for my ministry, my workers?
We are committed to helping you live healthier lives and prepare for the future.
The Lutheran Church–Missouri Synod created Concordia Plans so that ministries and their workers can enjoy better benefits than they could have negotiated individually. Because of that collective buying power, you have greater access to robust benefits.
We are committed to delivering quality benefits.
For more than 60 years, Concordia Plans has served ministries and cared for workers so that the Word of God spreads. Proactive management of the Plans ensures comprehensive benefits tailored specifically for ministries.
While some insurers or insurance alternatives advertise low premiums built on bare‑bones coverage and high deductibles, you deserve better. Our plans remain competitively priced while the benefits themselves remain robust and ministry-focused – providing things like lower-cost options, free mental health visits and comprehensive prescription drug coverage.
2026 renewal action steps
Review your 2026 CHP options, rates & PSA(s)
Your 2026 Concordia Health Plan (CHP) options and rates are available in your 2026 Employer Renewal Notice, which was mailed mid-June. The notice includes an overview of your ministry’s 2025 Concordia Plans participation, as well as a comparison of your 2025 and 2026 CHP rates. Also, be sure to review your personal spending account (PSA) plan design(s).
A. Review your CHP option(s)
If your ministry is pleased with this CHP option(s), no further action is needed — your CHP option(s) will automatically renew for 2026.
- Minor adjustments have been made to the Healthy Me Copay options for Urgent Care and Prescription Preferred Brand copays.
- If your ministry is currently enrolled in Whole Health 2000, we’re changing the deductible and out-of-pocket maximum. The option will now be called Whole Health 2500. If you don’t make a change, you’ll be mapped to this option for 2026.
B. Review your PSA plan design
If there are no PSA changes, no action is needed. If your ministry provides a health reimbursement arrangement (HRA), review the HRA deductible and confirm that it matches your medical plan’s deductible, if that’s what you intend. You can review your current HRA plan design on your HealthEquity employer portal. If you would like to terminate your health savings account (HSA), contact your Account Manager. If you would like to modify HSA contributions, log in to the HealthEquity employer portal. If you need to change or terminate your existing HRA and flexible spending account (FSA), you'll need to complete the following steps with HealthEquity:
- Log in to the HealthEquity employer portal.
- Click Employee Info > HRA/FSA Renewal.
- Follow the prompts to make changes. If you need to establish a new PSA, you’ll need to contact your Account Manager.
Please note that any changes made after Sept. 12 may result in a fee from HealthEquity.
Considering a new CHP option(s)?
If you’re thinking of offering a different CHP option(s) in 2026, contact your Account Manager to discuss additional options.
Employer Benefits Election webinars
Join a webinar to learn more about the 2026 Employer Benefits Election. The webinars will cover:
- CHP overview and updates.
- Wellness solutions, PSAs and voluntary benefits.
- Employer Benefits Election details, including important dates.
- Member Open Enrollment timeline.
- Q&A session.
Each webinar is based on the plan carrier(s) of the CHP options you’ll be offering your workers. Register by clicking on the following date(s):
Anthem/Blue Cross Blue Shield, Cigna, UMR/UnitedHealthcare
July 29 at 10 a.m. →
Anthem/Blue Cross Blue Shield, Cigna, UMR/UnitedHealthcare
July 31 at 1 p.m. →
Kaiser, Cigna, Anthem/Blue Cross Blue Shield
Aug. 5 at 11 a.m. →