Preparing for Open Enrollment
Open Enrollment Options
- Enroll, change or cancel medical, dental and/or vision coverage
- Add, change or cancel dependent coverage
Adding Coverage
To enroll dependents, you must also be enrolled in the plan(s) and provide proof of eligibility for each dependent, if not previously submitted. You may enroll in different levels of coverage for medical, dental and vision plans. Proof of eligibility is due by November 20, 2026.
Retirees who are not already enrolled in medical, dental and/or vision coverage, cannot enroll in these plans during Open Enrollment. New dependents may only be added due to a qualifying life event.
Transferring Coverage
If you are a retiree and your spouse is either an active state employee or retiree, you may transfer to your spouse’s coverage or from your spouse’s coverage to your own as long as you are both eligible for coverage through MCHCP. You may transfer to either plan at any time it is advantageous to you, as long as coverage is continuous.
If you do not enroll during Open Enrollment and you are currently enrolled:
- Active employees and Non-Medicare retirees in the PPO 750, PPO 1250 or HSA plans, will automatically be enrolled in the same plan through Anthem
- Medicare retirees will continue in the Medicare Advantage Plan through UnitedHealthcare® (UHC)
- TRICARE Supplement Plan members will continue in the same plan
- Dental and/or Vision Plan members will continue in the same plan
Married Employees
If you are an active state or Lincoln University employee married to another active state or Lincoln University employee, you each must enroll separately. If you cover children and wish to share a family deductible and out-of-pocket maximum for your medical plan, you must each enroll in the same medical plan and provide your spouse’s name and Social Security number at enrollment.
Lincoln University Employees
You can find information about plan options in the State Employee Enrollment Guide which includes Lincoln University Employees.
Flexible Spending Account
The State of Missouri offers a Flexible Spending Account (FSA) to active state employees, administered by ASI Flex. Employees are auto-enrolled to allow premiums to be deducted pretax. Employees in a PPO plan may enroll in the health care FSA, and employees in the HSA Plan can choose to enroll in a dental/vision FSA in addition to their health savings account (HSA). Visit www.mocafe.com to learn more, and to set your contribution elections for next year.
Contributions
Active employee contributions through payroll deductions to an FSA or HSA are reset to zero by December 31, 2026. To contribute to an FSA or HSA in 2027, employees must set up the contributions through myMCHCP or at www.mocafe.com.
Canceling Coverage
If you have coverage in any of the plans in 2026, and you do not want to continue it in 2027, you must cancel the coverage you do not want during Open Enrollment.
Retirees and their dependents who cancel coverage cannot re-enroll at a later date.