Healthcare Costs: Across the U.S., medical costs continue to rise each year, driven by increased utilization and higher costs of new medical technologies, hospital services and prescription drugs. Nationally, medical costs are expected to increase by 8–9% for 2026.

How Our Plan Works: At Envision, our medical plan is self-insured. This means that the insurance carrier processes claims, but the actual dollars for doctor visits, prescriptions, surgeries and hospital stays are paid by Envision and our teammates together. Envision continues to cover the majority of these costs; however, our year-over-year medical claims have increased by 12.5%, which is significantly higher than the national average.

2026 Medical Premiums: To help address these rising costs, medical premiums for 2026 will increase by 9% for all benefit-eligible teammates.

Envision is absorbing a larger share of the rising expenses so that teammate premium increases remain below our actual medical cost growth. These adjustments are necessary to help protect the long-term sustainability of our medical plan and preserve the quality and breadth of coverage available to teammates and their families.

Envision uses salary bands to determine medical premiums. If you had a change in compensation that moves you into a new salary band, you will experience additional changes to your medical premiums.

2026 Deductible, Coinsurance and Out-of-Pocket Maximum Changes: Labs and X-rays will be subject to plan deductible and coinsurance under the Point of Service (POS) Select and Primary plans.

Medical plan deductibles and out-of-pocket maximums will increase in 2026. This is the result of Envision’s increasing cost of healthcare and IRS requirements that govern High Deductible Health Plans.