Benefits Open Enrollment
Oct. 15–31, 2025
Please note that SmartSource will be down Oct. 11-14 to prepare for open enrollment. You will not be able to access the benefits marketplace during this time.
Johns Hopkins Health System (JHHS) open enrollment for 2026 benefits is Oct. 15-31, 2025. Any changes you make during open enrollment will go into effect on Jan. 1, 2026.
This is your annual opportunity to enroll in, drop or change these benefits:
- Medical, dental and vision insurance
- Health and dependent care flexible spending accounts
- Supplemental life insurance
- Whole life insurance
- Long-term disability insurance
- Accident, critical illness and hospital indemnity insurance
- Long-term care (LTC) insurance
- Prepaid legal services
- Identity theft and fraud protection
Everything You Need to Know About Open Enrollment in 90 Seconds
If you currently cover dependents and will continue to cover them in 2026, you may need to provide documentation that verifies your relationship to confirm their coverage. Visit SmartSource to see if you have a task on your to-do list.
If you don’t provide the required documentation, your dependents will not have coverage in 2026.
If you were recently hired, you may need to enroll twice. See details.
Questions
Contact the HR Support Center at 443-997-5400 from 7 a.m. to 5 p.m., Monday-Friday, or hrsc@jhmi.edu .
Llame El Centro De Asistencia de Recursos Humanos al 443-997-5400, opción 9 de 7 a.m. a 5 p.m., de lunes a viernes, o mande un correo electrónico a hrsc@jhmi.edu .
Ver myBenefits En Español
Toda la información de sus beneficios están disponible en esta página de mybenefits, disponible en cualquier dispositivo. Para ver myBenefits en español, seleccione Spanish en el menú desplegable Choose Language.
Visite Recursos En Español para más información sobre los beneficios en español.
Your Steps to Enrollment
1. View your current benefits
Visit SmartSource to see which benefits you’re currently enrolled in.
2. See what’s new for 2026
Read below about changes to our benefits and employee contributions.
3. Enroll by Oct. 31
Enroll, drop or change your benefits on SmartSource by Friday, Oct. 31.
What’s Changing in 2026
Employee Contribution Increases
Our benefits package remains strong, provides choices to meet your needs and is as affordable as possible. Recent reports highlight the growing cost of health benefits across the nation.
At Johns Hopkins, our focus is on keeping cost increases below the national average. While there are moderate increases to medical, dental and vision plans, we will continue to provide you access to high-quality coverage and resources that support your health, well-being and peace of mind.
Deductible & Out-Of-Pocket Maximum Increases
The deductible is the amount you pay before the plan starts to pay. The out-of-pocket maximum is the most you’ll pay for covered expenses each plan year.
The deductible and out-of-pocket maximum for the Johns Hopkins Preferred Provider Organization (PPO) medical plan will increase for employees with a salary of $50,000 or more. View the updated amounts in the medical comparison chart.
EHP will mail new ID cards with the updated deductible and out-of-pocket maximum amounts.
FSA Contribution & Carryover Limits
Health care FSA
- You can contribute up to $3,300 in 2026 and carry over up to $660 from 2025.
- You have until March 31, 2026, to use the remaining funds in your 2025 FSA for claims incurred in 2025. Any funds over the $660 carryover limit will be forfeited.
Dependent care FSA
- In 2026, you can contribute up to:
- $7,500 if you’re single or married and file jointly.
- $3,750 if you’re married and file separately.
- You have until March 31, 2026, to use the remaining funds in your 2025 FSA for claims incurred in 2025. You can’t carry over unused funds.
Enroll on SmartSource
If you want to change or drop whole life insurance, contact Unum at 800-635-5597. There may be some cash value in your plan.
If you want to enroll in or drop long-term care insurance, contact Unum at 866-679-3054 or request enrollment materials on the Unum website.
Important reminders:
- If you don’t want to make changes to your benefits or enroll in an FSA in 2026, you don’t need to do anything. Your current benefits, except FSAs, will continue in 2026.
- To enroll a dependent, you’ll need their SSN and proof of relationship, like a marriage or birth certificate.
- If you currently cover dependents, you may need to provide documentation that verifies your relationship to confirm their coverage. Visit SmartSource to see if you have a task on your to-do list.
SmartSource Está Disponible En Español
En SmartSource, seleccione Español en el menú desplegable Welcome en la esquina superior derecha.
How to Enroll on SmartSource
Watch in English
Ver en Español
Employees who were hired or newly eligible for benefits Oct. 15 – Nov. 30, 2025
The benefits plan year is Jan. 1 – Dec. 31. If you’re hired or newly eligible for benefits between Oct. 15 and Nov. 30, you must actively enroll in benefits or waive coverage for the rest of the 2025 and then actively enroll in benefits for 2026.
If you don’t enroll in or waive coverage for 2025, you won’t be able to enroll in coverage for 2026 either. You’ll have to wait until the next open enrollment period, unless you have a qualifying life event.
Submit supporting documentation for dependents by Nov. 30
- Currently cover dependents and will continue to cover them in 2026.
- Enrolled dependents in 2026 coverage during open enrollment.
If you receive this request, you must provide the documentation by Sunday, Nov. 30. If you don’t, your dependents won’t have coverage in 2026.
Visit SmartSource to see if you have a task on your to-do list and submit documentation.
Save your confirmation statement
You’ll need a copy of your confirmation statement if you have questions about your 2026 elections later.
- If you enroll during open enrollment: You can download a copy on SmartSource after you checkout. You’ll also receive an email confirmation after enrollment closes.
- If you don’t do anything during open enrollment: You can download a copy of your confirmation statement on SmartSource after enrollment closes.
To view your statement:
- Log into SmartSource using your work credentials.
- Select Go to enter the Benefits Marketplace.
- Select Current Benefits under the Benefits dropdown on the left.
- Choose download, email or print and save the statement for your records.
Are your beneficiaries up to date?
A beneficiary receives your benefits if you die. Open enrollment is a great time to make sure your beneficiaries are up to date.
Life insurance: Visit SmartSource , go to your profile and select My Beneficiaries
Retirement: Sign in to Transamerica and select View Details > My Plan > Beneficiaries
Enrollment Support
Employer Health Programs (EHP) Overview
Watch a short video to learn about your EHP medical plan options.