Open Enrollment is your opportunity to own your benefits in 2026. Align your benefit choices with your real-life goals by selecting the plans and coverage options that work best for you and your family.  Healthcare costs are expected to continue rising in 2026. During this year’s Open Enrollment, it’s important that you evaluate your needs and choose plans that meet your needs and your budget.

We’re giving you more ways than ever to learn about your 2026 benefits. Scan the Open Enrollment information on this page, download the Open Enrollment Decision Guide, watch an Open Enrollment video, join a Medicare, HSA or Open Enrollment webinar, talk to ALEX (the online benefits counselor), view the 2026 Benefits Guide and Rate Sheet, stop by the Virtual Benefits Fair, and more.

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Download the 2026 Open Enrollment Decision Guide

The Open Enrollment Decision Guide gives you everything you need to know about what’s new and what’s changing in 2026, and the actions you should take to make sure you are enrolled in the best benefits that meet your needs and your budget in 2026.

Watch the 2026 Open Enrollment Video
(Coming Soon)

Qualifying Life Events that Occur During the Open Enrollment Period

During the 2026 Open Enrollment period (November 3-14, 2025), you will not be able to report any qualifying life events using self-service in myACI Benefits.

If you need to report a qualifying life event between November 3 and November 14, 2025, please call the Associate Experience Center at 888-255-2269, Monday-Friday, 6 am to 6 pm AZ time.

Important Information for Q4 2025 New Hires and Associates Newly Eligible for Benefits

Because of the timing of when your benefits become effective in 2025, you will need to enroll in benefits twice in the upcoming weeks – once to choose your benefits for the remainder of 2025, and once to choose your benefits for 2026. Read this flyer for details.

What’s New or Changing in 2026?

  • Weekly contributions for most medical, dental and vision plans are increasing in 2026.
  • Access a 2026 Rate Sheet in myACI. Sign in to your account. From the Me page, choose the Benefits Resources tile, then select the 2026 Rate Sheet.

EPO/EPO HP-Network Plan

  • The annual deductible is increasing from $1,500 to $1,750 for associate-only coverage and from $4,500 to $5,250 for family coverage.
  • The annual out-of-pocket maximum is increasing from $5,000 to $5,500 for associate-only coverage and from $15,000 to $16,500 for family coverage.

PPO Plan

  • The annual deductible is increasing from $1,000 to $1,300 for associate-only coverage and from $2,000 to $2,600 for family coverage.
  • The annual out-of-pocket maximum is increasing from $4,000 to $4,700 for associate-only coverage and from $8,000 to $9,400 for family coverage.

HSA Plan

  • The annual deductible is increasing from $2,000 to $2,400 for associate-only coverage and from $4,000 to $4,800 for family coverage.
  • The annual out-of-pocket maximum is increasing from $6,000 to $6,200 for associate-only coverage and from $12,000 to $12,400 for family coverage.

Coinsurance for brand preferred and brand non-preferred drugs are increasing as shown below.

Starting October 1, 2025, members enrolled in an Albertsons medical plan (except the HSA Plan or any Kaiser Permanente Plan) can reduce their prescription drug costs by using available non-specialty medication manufacturers’ copay assistance programs. These programs encourage the use of their brand name drug while minimizing your out-of-pocket expense and save you and Albertsons money.

Through the MedImpact Assist Non-Specialty copay assistance program, MedImpact will help you enroll in a manufacturer copay assistance program and subsidize any remaining copay after the manufacturer discount is applied, so you will pay $0 for eligible medications.

Note: If you are a part of any government-funded program, such as Medicare Part D, Medicare Advantage, Medicaid, Medigap or TRICARE, you will not be eligible to participate in this program.

What Happens If You Don’t Enroll

If your medication is eligible for the program but you don’t enroll, you will pay your regular copay/coinsurance under your medical plan plus a copay penalty equal to the amount of the manufacturer’s copay assistance for the medication. This copay will apply starting with the third time you fill a medication. The copay penalty you pay if you do not enroll in the program will not apply to your plan deductible or out-of-pocket maximum. The total amount you pay will not exceed the cost of the medication.

More information, including a list of covered medications, is available here.

Due to IRS changes in 2026, the annual deductible and out-of-pocket maximums are changing as shown below.

  • The annual deductible is increasing from $1,650 to $1,700 for associate-only coverage and from $3,300 to $3,400 for family coverage.
  • The annual out-of-pocket maximum is increasing from $3,300 to $3,400 for associate-only coverage and from $6,600 to $6,800 for family coverage.

Annual contribution limits for the health savings account (HSA), flexible spending accounts (FSAs) and commuter benefits are increasing in 2026 to help you save more on eligible healthcare, dependent daycare and commuter expenses.

You must enroll in myACI Benefits each year to participate in an HSA or FSAs. Current elections from 2025 do not roll over to 2026. To enroll in Commuter Benefits, visit the Health Equity Commuter Benefits page.

Dependent Day Care Non-Discrimination Testing

For highly compensated associates earning $160,000 or more in 2025, your contribution limit to a Dependent Day Care FSA may be reduced in 2026 based on the results of IRS non-discrimination testing completed in Q1 2026.

  • Starting in 2026, Blue Cross of Idaho members will have access to Care Guides – specially trained nurses and social workers that serve as your point of contact for all care and health plan matters.
  • BCI will contact eligible plan members inviting them to connect with their Care Guide.
  • Members are assigned a personal Care Guide who stays with them and learns their unique health needs.

Learn more about BCI Care Guides. (Link to Care Guides page on the myACI Benefits website coming soon).

  • The ComPsych EAP will cover 5 visits by phone or in person per issue per year, up from 3 visits per year.
  • Due to low enrollment, Teladoc Health Mental Health Digital (formerly myStrength) will no longer be available. You can access similar support resources via the ComPsych EAP website at guidanceresources.com.  Use company code ALBERTSONSCOMPANIES.

  • Specialty care oncology services will transition from AccessHope to 2nd.MD.
  • 2nd.MD also provides second opinion services at no cost for associates and family members enrolled in a BCI medical plan.

During this year’s Open Enrollment, associates can elect coverage for themselves and their spouse/domestic partner up to the same guaranteed issue amounts as new hires enrolling for the first time without evidence of insurability (EOI).

Voluntary benefits through Aflac are enhanced with no rate increases in 2026 as shown below. In addition, you can now choose critical illness coverage up to $50,000.

Access a 2026 Benefits Guide, 2026 Rate Sheet and More

Visit the Benefits Resources page in myACI to access the 2026 Benefits Guide and Rate Sheet, launch ALEX, download an Eligibility Flyer, and view Summaries of Benefits and Coverage (SBC) for our medical plans.

Open Enrollment Webinars

Join a 2026 Open Enrollment webinar to learn everything you need to know about Open Enrollment including what’s new for 2026, how to enroll using myACI Benefits, where to find benefits and enrollment resources, and more.

HSA Webinars

Join the HSA Basics Webinar to learn how a health savings account (HSA) works and can help you save money. Join the HSA Advanced Webinar to learn more about investing your HSA dollars, using your HSA funds for retirement, and more.

Click here for more information about a Health Savings Account.

Medicare 101 Webinar

Come learn everything you ever wanted to know about Medicare in this informative one-hour webinar. We will go through general Medicare information and share two useful resources you have available to you as an Albertsons associate.

Click here for more information on Medicare resources available to you.

Say Hello to ALEX, Your Online Benefits Counselor

ALEX is your online benefits counselor who will explain your benefits in simple, easy-to-understand language. ALEX recommends benefits and coverage options that will meet your needs and your budget. ALEX has been updated for 2026 and will be ready to talk to you about next year’s benefits beginning October 13.  Learn more.

Join Us at the Virtual Benefits Fair

Join the Virtual Benefits Fair to chat with carrier representatives, learn about 2026 benefits and access available resources to help you choose your benefits and enroll. You can join the fair 24/7 between October 24 and November 14.

Most carrier representatives will be available to chat and answer questions during three live events:

  • Oct. 27: 8 am to 12 pm MT
  • Nov. 03: 12 pm to 4 pm MT
  • Nov. 05: 9 am to 1 pm MT

A link to join the Virtual Benefits Fair will be available starting October 24.

You’ll be entered into a prize drawing when you attend the Virtual Benefits Fair and complete certain activities. You could win:

  • Meta Quest 3 VR Headset
  • JBL Outdoor Waterproof Speaker
  • Stylish Sunglasses
  • FitBit
  • $50 Gift Cards
  • And more

How to Enroll During Open Enrollment

During the 2026 Open Enrollment period (November 3-14), you will use myACI Benefits to enroll or make changes to your benefits, update dependent information and verify or update your beneficiary designations for life and accidental death and dismemberment (AD&D) insurance.

When you’re ready to enroll, follow these steps:

  1. Sign in at myACI.albertsons.com.
  2. From the Me page, click on the Benefits tile.
  3. Click on the Enroll Now button.
  4. Choose between Express Enrollment and Discovery Enrollment (see below).
  5. Follow the onscreen instructions to enroll or update your coverage elections.
  6. Complete a short post-enrollment survey to help us continue to improve the Open Enrollment communications and online enrollment process.

Express Enrollment allows you to review your current enrollment and choose whether or not you want to make any changes without going through all the plan options.

Discovery Enrollment takes you through each benefit and shows you all of the options, so that you can see all of the choices available to you.

Open Enrollment Aftercare

Once Open Enrollment ends, there are several important things that will be happening that you should know about.

A digital copy of your 2026 Open Enrollment Confirmation Statement will be posted in myACI in Document Records. A printed copy of your 2026 Open Enrollment Confirmation Statement will not be mailed to your home. Associates who do not have an email address on file or have not opted in to receive email notifications will receive a postcard at their home with instructions on how to access the Confirmation Statement in myACI in Document Records.

Your Confirmation Statement will include your 2026 benefits enrollment and paycheck deductions, information on your covered dependents and your beneficiary designations. If any information on your Confirmation Statement is incorrect, you will have until December 12, 2025 to report it to the Associate Experience Center. You can speak to a Representative Monday-Friday, 6 a.m to 6 p.m. AZ time by calling 888-255-2269.

Your coverage will take effect on January 1, 2026.

To view your confirmation statement, go to myACI.albertsons.com. To find your statement, look for the most recent document labeled as Document type “Benefits Letter.”

To review your benefits and coverage information in myACI as of January 1, visit myACI.albertsons.com. Under “Show Benefits”, select “As of date” and select 01/01/2026.

To see if you have any Pending Actions, sign in to your account at myACI-albertsons.com. Choose the Benefits tile.  If you have any pending actions, they will be displayed above your Enrollment Summary.

Access the Pending Actions Quick Reference Guide (QRG) for step-by-step assistance in completing pending actions in myACI.

  • Pending Action for Newly Enrolled Dependents: If you enrolled any dependents for the first time during Open Enrollment, you must provide documentation verifying their eligibility. You can download a Dependent Verification Requirements Flyer which lists the allowable documents you can submit to verify your dependent’s eligibility to be covered under Albertsons healthcare plans. Dependent verification must be completed by January 31, 2026. If you miss the deadline, your unverified dependents will not be covered in 2026.
  • Pending Action for Optional Life Insurance or Long-term Disability Coverage: If you have enrolled in optional life insurance for yourself or your spouse or domestic partner or long-term disability for yourself that requires evidence of insurability (EOI), please note the following:
    1. Email communication from The Hartford will be sent by December 8 (or printed communication mailed to your home if no email address is on file). The communication will provide instructions on what you need to do provide evidence of insurability (EOI) within the 60-day enrollment window.
    2. Complete an online Personal Health Application (PHA) within 60 days from the date you are notified by The Hartford via email or printed communication mailed to your home to complete an online PHA. If The Hartford approves your coverage request, coverage and paycheck deductions will start as soon as administratively possible within 1 or 2 pay periods following the approval date. If your coverage request is not approved by The Hartford or you fail to complete an online PHA within the 60-day window, you will be notified by The Hartford and your request for coverage (or increase in coverage) will be canceled.

If you enrolled in the HSA or Kaiser CA HSA Plan for the first time during Open Enrollment and you want to set up contributions, you must open a health savings account (HSA) with Fidelity to make pre-tax contributions via paycheck deduction that you can use to pay for eligible health care expenses.

Action Steps

  1. Email communication (or printed communication mailed to your home if no email address is on file) from Fidelity will be sent by November 28. The communication will provide instructions on what you need to do to open your HSA.
  2. Open your Fidelity HSA by logging in to netbenefits.com or following the instructions to register as a new user on the Fidelity website. Click the Open tile. Payroll deductions will begin on the first paycheck in January 2026 if you open your HSA by December 26.
  3. Verify the HSA deduction amount is correct on your paycheck and is available in your Fidelity HSA.

If you open your HSA after December 26, paycheck deductions will start as soon as administratively possible (usually 1 or 2 pay periods after your HSA is opened).

You can start, stop or change your HSA contributions at any time by signing in to myACI.albertsons.com. Click on the Benefits tile, then click on Report a Life Event or HSA Change under the Quick Actions sidebar.

To speak to a Fidelity HSA Specialist, call 866-956-3433 Monday-Friday, 6 am to 8 pm MT or Saturday-Sunday, 7 am to 2 pm MT.

  • If you newly enrolled in an Albertsons Companies medical plan or you changed medical plans during Open Enrollment, you will receive new ID cards from your medical plan provider in late December 2025 or early January 2026.
  • If you enrolled in a Blue Cross of Idaho (BCI) medical plan, SelectHealth HMO or HMSA for the first time during Open Enrollment or you changed your BCI medical plan, you will receive a separate pharmacy ID card in late December 2025 or early January 2026 from MedImpact, our pharmacy benefits manager.
  • If you did not change medical plans during Open Enrollment, you can continue using your current medical and pharmacy ID cards.