Your 2026 benefits include valuable improvements. Enhanced wellness rewards, new mental health support, and expanded coverage give you more support at work and home – while putting money back in your pocket.
New and Expanded Benefits
NEW! Get Paid to Prioritize Your Health. Increased $ for Annual Physical Annual physicals help you set a health baseline, make a plan, and connect with your doctor. This year, we’ve increased the incentive: $150 for you (up from $100) and $75 for your spouse (up from $50). There’s potential to earn over $2,000 through this and other incentives. Learn more.
NEW! Breast Cancer Screenings Starting January 1, you have access to no-cost preventive breast cancer screenings ordered by your doctor, regardless of your diagnosis. These guidelines support cancer survivors by ensuring access to preventive care during recovery.
NEW in 2026! Virtual Physical Therapy (Airrosti Flex) Easy, effective physical therapy that fits your schedule. This enhanced virtual option through Airrosti Flex offers complete support for injury recovery, chronic pain management, and movement optimization. Find details at airrosti.com/oncorenergy. (Replaces Hinge Health in 2026)
ENHANCED! Comprehensive Mental Health Support For BCBSTX members, you have access to expanded confidential mental health resources designed to support your well-being.
BCBSTX Medical Options www.bcbstx.com Offers coverage for a range of mental/behavioral health issues, including counseling and hospitalization, subject to applicable copays and coinsurance. In addition, BCBSTX’s Mental Health Hub provides access to therapists, videos, podcasts, articles, and 15+ wellness assessments, including a Wellness Check-in. Visit www.bcbstx.com, choose Behavioral Health, then click Mental Health Hub.
Telus Health Cognitive Behavioral Therapy (CBT) metlife.cbt.telushealth.com Provides no-cost virtual therapy with licensed therapists – anytime, anywhere, on any device. Build coping skills through CBT and get help to improve your mental well-being.
NEW in 2026! Women and Family Health Resources (Maven) Virtual resource for women and families providing clinical, emotional, and financial support for:
Fertility and family building
Maternity and newborn care
Parenting and pediatrics
Menopause and midlife
24/7 access to 30+ specialists (OB-GYNs, fertility coaches, doulas, lactation consultants, mental health professionals, nutritionists, and career coaches) plus access to dedicated Care Advocate for personalized guidance.
NEW! Pet Telemedicine (Vetster) Virtual pet care through Vetster available in 2026. Connect with licensed veterinarians via video call from home, plus access to VetsterRx online pharmacy with prescriptions shipped directly to you.
EXPANDED for 2026! Enhanced Vision Benefits for Kids Vision coverage now includes enhanced care for eligible dependents up to age 19 (previously only up to 13). Visit www.myuhcvision.com for benefits and provider locations.
Annual Enrollment: October 20–31, 2025
What You Need to Know
With the exception of FSAs, which require annual elections, your benefits stay the same if you do nothing. However, there are significant improvements and changes you should review.
Key Changes for 2026
Premium Changes: Medical and dental premiums will increase slightly to maintain comprehensive coverage while managing rising healthcare costs. All other benefit premiums stay the same.
Opt-out Credit Changes: Medical and dental opt-out credits end with the last paycheck of 2025. This change allows us to offer enhanced wellness rewards and additional preventive care benefits.
Medical Deductibles & Out-of-Pocket Maximums: HSA and HRA option deductibles and maximums will increase modestly to comply with IRS requirements on high-deductible health plans.
Major Enhancement: Save Big on Dependent Care Costs in 2026
Increased $7,500 Dependent Care FSA Limit Turns Expenses into Tax Savings.
If you’re already paying for daycare, after-school programs, or care for an adult dependent, the Dependent Care Flexible Spending Account (FSA) is a simple way to save on what you’re already spending.
New 2026 Limits
Set aside up to $7,500 in pre-tax dollars per household (increased from $5,000) – or $3,750 if married filing separately
Minimum contribution: $120 per year
The Real Impact
With average daycare costs in Texas ranging from $8,000–$15,000 per year, your Dependent Care FSA contributions can now cover a much larger portion of these expenses while reducing your tax burden.
What Expenses Qualify?
Licensed daycare centers and preschools
Before and after-school care programs
Summer day camps (not overnight camps)
Adult daycare for elderly dependents
Qualified babysitters and nannies (with proper tax documentation)
Easy to Use Optum Financial administers your Dependent Care FSA. You can use their online bill pay feature at www.optum.com or pay expenses out of pocket and files claims for reimbursement.
Real-Life Examples
Mark & Elena – Two Working Parents (22% tax bracket)
Pays monthly $500 for daycare + $200 for after-school care = $8,400/year
Use DCFSA to set aside $7,500
$1,650 in taxes savings
It’s like getting $1,650 back on expenses they were paying anyway
Tanya – Sandwich Generation (24% tax bracket)
Pays monthly $300 for before-school care + $350 for dad’s elder care = $7,800/year
Contributes $7,500 to her DCFSA
$1,800 in taxes savings
Reduces total care burden by nearly $2,000
Important
Plan Carefully
Unlike other accounts, Dependent Care FSA funds don’t roll over to the next year. You forfeit any dollars you haven’t used by December 31, so be sure to budget realistically and stay on top of reimbursements throughout the year. A grace period through February 15 allows you a little extra time to file claims for eligible expenses from the prior year.
Medical Plan Changes
Here’s an overview of medical plan changes, effective January 1, 2026.
Medical Deductibles: HSA Option 1 deductibles will rise by $50 (You Only coverage) and $100 (You + Spouse, You + Children, and You + Family coverage) to comply with updated IRS limits on high-deductible health plans. HSA Option 2 and the HRA Option deductibles increase by the same amounts to keep them consistent across all medical options.
Medical Out-of-Pocket Maximums: HSA Option 1 and the HRA Option medical out-of-pocket maximums will increase by $200 (You Only coverage) and $400 (You + Spouse, You + Children, and You + Family coverage).
Medical Options
You Only Deductible
You + Family Deductible
You Only Max
You + Family Max
HSA Option 1
$1,700
$3,400
$4,500
$9,000
HSA Option 2
$2,700
$5,400
$5,700
$11,400
HRA Option*
Medical
$1,700
$3,400
$4,500
$9,000
Prescription
$200
$400
*Option closed to new enrollees
Your Healthcare Savings Superpower: HSA Options
The Health Savings Account (HSA) medical options offer unique advantages at every stage of life. More than plans – they’re comprehensive medical coverage plus savings accounts for today and tomorrow.
Oncor Contributes Dollars
If you elect medical coverage during Annual Enrollment, Oncor contributes to your HSA:
You Only Coverage: $250
You + Family Coverage: $500
You Can Contribute Also
Set aside dollars through payroll deductions before taxes – up to the annual IRS limits:
You Only Coverage: $4,400
You + Family Coverage: $8,750
Age 55+ Bonus: Extra $1,000 contribution
Note: Total HSA contributions (yours plus Oncor’s) cannot exceed these limits, or you’ll face tax penalties.
Important
Set contributions by December 12! Take time between November 17 and December 12 to set up your 2026 HSA contribution amounts. New deductions begin with the first January paycheck and can be updated anytime during the year.
Financial Planning Benefits
Student Debt Retirement Savings Match
Your student loan payments count like retirement contributions. Oncor matches up to 6% into your Thrift Plan 401(k) after the plan year ends. Find details.
Personal Financial Organizer
Get your financial information digitally organized in one place, including employer benefits, medical directives, insurance policies, wills, and financial plans. Whether you use it for your own financial planning or share it with elderly parents or loved ones, it provides peace of mind for you and those you care about. Download Oncor’s Personal Financial Organizer.
Free Financial Advice
Services like financial planning, will writing, funeral planning, and investment advisors are part of the offerings available to you at no cost. Check out www.NetBenefits.com for details.
At Oncor, benefits are at the heart of our commitment to you and your family. We’re here to help you live well today and prepare for whatever tomorrow may bring.
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Refer to the Summary Plan Description for the Oncor Electric Delivery Company LLC Employee Welfare Benefit Plan and other documents in the Resource Library. You may obtain a copy of the required legal notices at no cost by opening a case through myhrconnection.oncor.com. Go to HR Help and submit a case to the benefits team.
Options and programs described in this website, as well as other communication materials, are intended only to be summaries of certain provisions of Oncor’s employee benefit plan(s) (the “Plan”). Benefits communication materials from the Oncor Benefits Department update and modify certain provisions of the Plan and, as such, constitutes a summary of material modifications under the law. The programs are governed by formal plan documents, and, in the event of a discrepancy, the formal plan documents will prevail. Oncor reserves the right to amend and/or terminate any or all of its benefit programs, in whole or in part, from time to time. The employee benefits offered through the Plan are optional. Any recommendations of any of the third-party administrators or insurers, or in- network/out-of- network designations are made solely by the applicable third-party administrators and/or insurance carriers, not by Oncor or the Plan.
