Annual Enrollment

Annual Enrollment Transfer Period

Annual Enrollment is your chance to choose your Partners for Health plan benefits or make changes in your selections that are effective as of January 1, 2026. Our Annual Enrollment period this year is October 3 – 17th.

For MOST benefits*, if you don’t want to make changes, you don’t have to do anything during Annual Enrollment. If you’re enrolled now and don’t make changes, you’ll continue enrollment in the same plan options for medical, dental and vision products, and you’ll pay 2026 employee premium amounts. The exception to this is FSA accounts. *Flexible spending accounts require you to enroll each year

    During the annual enrollment transfer period, Tennessee Board of Regents employees may do the following:  

    • Choose your health insurance option
    • Choose your health insurance carrier and network
    • Enroll in, cancel or transfer between dental options (if eligible)
    • Enroll in, cancel or transfer between vision options (if eligible)
    • Enroll in or cancel optional accidental death and dismemberment (AD&D) coverage (if eligible)
    • Apply for, cancel, increase or decrease optional term life coverage amounts (if eligible)
    • Enroll in Flexible Benefits - (enroll annually)
    • Enroll in short-term disability insurance
    • Enroll in long-term disability insurance
    • Refer to the File 2026 TBR Benefits Guide for information on vision, flexible spending account, AFLAC supplemental insurance, long term disability, optional term life insurance, and long term care.  

    All eligible employees are sent information on available healthcare options, premiums, a listing of benefits charges, service areas and vendor changes for the upcoming year.

    The options you choose during the enrollment period take effect the following January 1.  After annual enrollment, in most cases you can only add or cancel coverage if you lose eligiiblity or have a qualifying event or family status change during the year.

    Please watch the following short how-to videos for logging in to Edision and selecting/changing your benefit elections:

    How to Log into Edison for the 1st Time

    How to Reset Your Password in Edison

    How to Log-In Edison When You've Forgotten Your Access ID

    How to Select and Enroll in Benefits in Edison

    PDF icon Annual Enrollment Frequently Asked Questions

     

    Benefit Changes for 2026

    Changes to 2026 Benefits:

    • Health premiums are increasing by an average of 5.7%
    • For 2026, pharmacy costs are increasing mainly due to weight loss and specialty medications. Here are the 2026 pharmacy cost-sharing changes:
      • Members will pay 25% coinsurance for medications prescribed for weight loss for all plans.
      • Members will pay 30% coinsurance for in-network specialty medications for all plans.
      • A separate maximum out-of-pocket amount will be added for specialty drugs obtained through the pharmacy benefit. The amount varies based on employee tier and plan selected.
      • Personalized exercise therapy benefits are changing for 2026! All Partners for Health PPO and CDHP members enrolled with BlueCross BlueShield or Cigna will have access to Hinge Health for personalized exercise therapy at no additional cost.
    • BlueCross BlueShield and Cigna will remain the health insurance carriers, and you can choose from the same four provider networks, but the monthly cost for the expanded networks will increase in 2026 for all tiers.
    • The Dental Preferred Provider Organization carrier will change to MetLife in 2026. The Dental Health Maintenance Organization - Prepaid Provider carrier will continue to be Cigna.
    • TASC will be the new vendor for health savings accounts for members who enroll in a consumer-driven health plan. If you enroll in a CDHP/HSA, please watch for more information about your HSA. TASC will also be the new flexible spending account vendor for employees who choose to enroll in these accounts.

    Health Insurance - 2026

    Dental Insurance - 2026

    Vision Insurance - 2026

    Disability Insurance - 2026

    • Eligible central state government and state higher education employees hired after Jan. 1, 2024, will be automatically enrolled into long-term disability option 3 in Edison for coverage effective on the first day of the month following the completion of one full calendar month of employment. This is guaranteed issue coverage, and employees won’t have to answer medical questions.
    • The coverage for higher education employees cannot be waived because it is 100% employer paid.
    • For higher education employees, long-term disability coverage options 1, 2 and 4 are also available, but employees are responsible for 100% of the premium.
    • For higher education employees, benefits received from long-term disability option 3 are considered taxable income and will appear on your W-2 because the premiums are paid by your employer. Benefits received from short-term disability or long-term disability options 1, 2 or 4 are not taxable income because premium payments are deducted post tax and paid by the employee.
    • PDF icon Long Term Disability Premiums
    • PDF icon Short Term Disability Options
    • PDF icon Short Term Disability Premiums
    • PDF icon MetLife Disability Handbook

    HSA (Health Savings Account)

    To enroll in or make a change to your existing HSA payroll deductions, please complete the following form.

    FSA (Flexible Spending Account)

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