What’s New for 2026
The following changes will be effective January 1, 2026.
- Participant contributions. Your monthly contributions will increase moderately in 2026.
- Prescription Drugs. While prescription drug coinsurance percentages will stay the same, maximum amounts have been increased for both specialty and non-specialty medications.
- Diagnostic Services: Lab Tests, Imaging, Hearing Tests, and Sleep Studies. Diagnostic services that were previously covered at 100% will now require cost share, aligning with carrier standards and supporting both company cost efficiency and market competitiveness.
- Emergency Room (ER) Copay. The ER copay will increase to encourage utilization of lower-cost, clinically appropriate care settings such as urgent care or telemedicine.
- OneImaging. This program, introduced in July 2025, will become mandatory for complex imaging (e.g. CT scans, MRIs, etc.) effective January 1, 2026, providing nationwide access to top-tier imaging centers, expert care, significant savings.
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Important Savings Reminder If you earned the Culture of Health (CoH) rate by fulfilling the requirements in 2025, you will receive a reduction in your monthly contributions in 2026:
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Personalized Digital Coaching for Better Health with Well onTarget The Well onTarget program offers you access to personalized coaching to help you stay motivated, accountable and informed. You can set goals to manage stress, quit tobacco, improve nutrition and more. Simply choose a program, set a goal and take small steps toward better health. For more information, visit Well onTarget. |
Dental
- Participant contributions. Your monthly contributions and coverage will remain the same.
Vision
- Participant contributions. Your monthly contributions and coverage will remain the same.
- Health Care FSA. The following changes apply if you contribute to this account in 2026:
- The contribution limit will increase to $3,300.
- Carryover maximum (from 2025 to 2026) will increase to $660.
- You will be able to submit 2026 eligible expenses between January 1, 2026, and March 31, 2027. No late submissions will be allowed.
- Dependent Care FSA. The following changes apply if you contribute to this account in 2026:
- The contribution limit will increase to $7,500 ($3,750 if married filing separately).
- You will be able to incur eligible expenses between January 1, 2026, and March 15, 2027, and use money you contributed in 2026 to pay for those expenses.
- You will be able to submit eligible expenses between January 1, 2026, and March 31, 2027. No late submissions will be allowed.
- Debit card. If you elect to contribute to a Health Care and/or Dependent Care FSA in 2026 and did not contribute in 2025, MetLife will mail you a debit card during December 2025. You can use this one card to pay for eligible expenses directly from your account(s).
This enrollment material is a supplement to the ExxonMobil Health and Welfare Summary Plan Description (SPD). It is a summary of all material modifications that are effective January 1, 2026, and should be retained with your SPD.
Spotlight
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Medical
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Dental
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Vision
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Flexible Spending Accounts
