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Open Enrollment is
November 11 – 25, 2025
Open Enrollment is your annual opportunity to review your benefits, learn about plan options, and make changes for the new benefit year. All changes are effective January 1, 2026.
This is your once-a-year chance to:
- Enroll in or make changes to your benefits.
- Add or remove coverage for dependents.
- Enroll or re-enroll in Flexible Spending Accounts (FSAs).
- Explore voluntary benefit options to customize your coverage based on your needs.
- Update your beneficiary information in Workday, Fidelity, and any other relevant accounts.
Flexible Spending Accounts (FSAs) | You need to re-enroll in your FSA every year.
If you do not complete Open Enrollment, your benefit elections from 2026 will remain the same (with the exception of your FSA).
Enroll or Make Changes
Make sure to enroll in your benefits by November 25, 2025 at this link: Workday.
Do I need to take action?
We encourage you to review and confirm your benefit coverage during Open Enrollment. If you do not make any changes during Open Enrollment, your current health, voluntary, and HSA plan elections will carry over into 2026, except for your Flexible Spending Accounts (FSAs), which you must re-enroll in each year.
Looking for more information? Access these links:
2026 Benefits Overview | Virtual Office Hours | Open Enrollment Workday Guide.
Enroll Now
Need help?
Workday Case, linked here: Workday Help
Email: benefits@proofpoint.com
What's New for 2026
Kaiser CDHP Increases
- For 2026, the IRS is requiring increases to the Kaiser CDHP deductible ($1,700 employee only/ $3,400 family) and out-of-pocket maximum ($3,400 employee only, $6,800 family). There are no changes to copays.
Health Savings Account (HSAs)
- The 2026 HSA maximum contribution is $4,400 for employee only, or $8,750 for family.
- Please note: HSAs are for employees enrolled in the Kaiser and Cigna CDHPs only.
Flexible Spending Accounts (FSAs)
- The 2026 Healthcare and Limited Purpose FSA maximum contribution is $3,400.
- The 2026 Dependent Care FSA maximum contribution is $7,500 (or $3,750 if married and filing separately).
- FSA reminders:
- You must re-enroll each year to participate in FSAs, as these do not carry over.
- You have until March 31, 2026 to submit claims for expenses incurred in 2025.
- If you have a balance of $660 or less in your Healthcare or Limited Purpose FSA at the end of 2025, it will roll over into 2026. Any balance that exceeds $660 at the end of 2025 will be forfeited according to IRS Rules (“use it or lose it”). For 2026 FSA elections, this rollover limit into 2027 increases to $680.
Commuter Benefits
- You can set aside up to $340 per month for parking and up to $340 per month for transit or carpool expenses in 2026.
- Interested in enrolling in commuter benefits through Navia? Before logging into the Navia portal, you must first submit a ticket to create your account using this link: Workday Help Case. Once confirmed, you can then enroll directly with Navia using the instructions linked here: Navia Commuter Enrollment. Use code PRP when registering for the first time.
2026 Medical Plan Options
Cigna Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)
This plan offers both in and out-of-network coverage with the same provider network as the Cigna PPO plan. It includes a deductible before benefits apply and pairs with an HSA. Key advantages include:
- Lower per-paycheck premiums.
- Same network as the Cigna PPO plan.
- Contribute pre-tax dollars to your HSA to reduce taxable income.
- Proofpoint contributes annually up to $1,200 for individual coverage or up to $2,400 for employees enrolled with one or more dependents.
Is your doctor or hospital in the Cigna network? Use Cigna’s online directory (linked here: In-Network Cigna) to find in-network doctors, hospitals, and pharmacies.
Plan Benefit SummaryUtah Plan Benefit Summary CDHP Easy Guide HSA Calculator
Kaiser CDHP with HSA
This plan is only available to eligible California residents.
This Kaiser CDHP plan is similar to the Cigna CDHP, with low paycheck deductions and the tax benefits of an HSA. Care is covered only at Kaiser facilities (except in emergencies) and begins after meeting the deductible. Advantages include:
- Lower per-paycheck premiums.
- Contribute pre-tax dollars to your HSA to reduce taxable income.
- Proofpoint contributes annually up to $1,000 for individual coverage or up to $2,000 for employees enrolled with one or more dependents.
N. Cal Benefit Summary S. Cal Benefit Summary CDHP Easy Guide HSA Calculator
Note: Proofpoint contributes to your HSA quarterly. You must be employed at the time of each installment to receive that deposit. Employees with full-year employment receive the total annual contribution. To understand key details about the HSA, including important rules, please review this link: CDHP guide
Cigna Preferred Provider Organization (PPO)
This plan offers predictable costs and a lower deductible before cost sharing begins, but has higher paycheck premiums. You can see any provider, though out-of-network care costs more. Use Cigna’s online directory (linked here: In-Network Cigna) to find in-network doctors, hospitals, and pharmacies.
Plan Benefit Summary Utah Benefit Summary
Kaiser Health Maintenance Organization (HMO)
This plan is only available to eligible California residents.
For California residents, this Kaiser plan offers low out-of-pocket costs with low copays and no deductible. Care is limited to Kaiser facilities, with outside coverage only for emergencies.
N. Cal Benefit Summary S. Cal Benefit Summary
2026 Dental and Vision Plans
Cigna Dental
Let our Cigna dental plan help you maintain a healthy smile. You can see any dentist, but you’ll pay less with in-network dentists. The plan allows for two free preventive dental care visits per year, which don’t count towards your annual plan maximum.
Use Cigna’s online directory (linked here: Cigna Dental Directory) to find in-network dentists near you.
VSP Vision
Take advantage of vision coverage with VSP. This benefit includes one annual eye exam, new lenses every year, and frames every other year. VSP is accepted by most providers, and you enjoy the most savings when you stay in-network. VSP has exclusive member extras such as discounts on LASIK and contact lens supplies.
Visit this link to see what special offers are available: vsp.com.
2026 Plan Costs
Proofpoint covers the full cost of your Basic Life/AD&D, Short-Term Disability (STD), and Long-Term Disability (LTD) insurance. You share the cost of healthcare coverage, with premiums deducted pre-tax (except for domestic partner coverage; see Imputed Income below).
Premiums are displayed monthly, and your payroll deductions are based on your pay schedule; bi-weekly or semi-monthly.
Imputed Income
Proofpoint’s contributions for domestic partner benefits are considered taxable income, as is the value of basic life insurance coverage over $50,000. Unless your domestic partner qualifies as your tax dependent under IRS rules, contributions for their coverage are after-tax, and the company’s portion will be reported as taxable income on your W-2. Contact your tax advisor for guidance and open a case if your domestic partner is your tax dependent, at this link: Workday Help Case.
Compare 2026 Medical Plan costs with our calculator tool!
Monthly Premium Contributions
| Cigna CDHP/HSA | Kaiser CDHP/HSA (CA Only) | Cigna PPO | Kaiser HMO (CA Only) | |
|---|---|---|---|---|
| Employee Only | $59 | $56 | $199 | $162 |
| Employee + Spouse or Partner | $309 | $297 | $800 | $706 |
| Employee + Child(ren) | $279 | $314 | $673 | $596 |
| Employee + Family | $450 | $421 | $1,100 | $1,000 |
Monthly Premium Contributions
| Cigna Dental | VSP Vision | |||
|---|---|---|---|---|
| Employee Only | $5 | $2 | ||
| Employee + Spouse or Partner | $33 | $3 | ||
| Employee + Child(ren) | $30 | $4 | ||
| Employee + Family | $59 | $7 |
Voluntary Benefits Monthly Premium Contributions
(you pay premiums on a post-tax basis)
| Coverage | Monthly Premium Contribution | ||||
|---|---|---|---|---|---|
| Legal Services | Employee + Family | $19.92 | |||
| Accident Insurance | Employee Only | $5.18 | |||
| Employee + Spouse or Partner | $9.52 | ||||
| Employee + Child(ren) | $11.52 | ||||
| Employee + Family | $15.54 | ||||
| Hospital Indemnity | Employee Only | $7.57 | |||
| Employee + Spouse or Partner | $22.09 | ||||
| Employee + Child(ren) | $14.14 | ||||
| Employee + Family | $28.76 | ||||
| Critical Illness | Employee + Spouse or Partner | ||||
| Age Range | Monthly Rate | ||||
| 0-29 | $0.130 | ||||
| 30-39 | $0.241 | ||||
| 40-49 | $0.532 | ||||
| 50-59 | $1.060 | ||||
| 60-69 | $1.946 | ||||
| 70+ | $4.184 | ||||
| Child(ren) (Up to age 26) | |||||
| $0.170 per $1,000 of coverage | |||||
| Voluntary Life | Employee + Spouse or Partner | ||||
| Age Range | Monthly Rate | ||||
| 0-29 | $0.060 | ||||
| 30-34 | $0.080 | ||||
| 35-39 | $0.090 | ||||
| 40-44 | $0.110 | ||||
| 45-49 | $0.160 | ||||
| 50-54 | $0.280 | ||||
| 55-59 | $0.490 | ||||
| 60-64 | $0.660 | ||||
| 65-69 | $1.270 | ||||
| 70+ | $2.060 | ||||
| Child(ren) (Up to age 26) | |||||
| $0.200 per $1,000 of coverage | |||||
| | |||||
| Voluntary AD&D | Employee + Spouse or Partner + Child(ren) (Up to age 26) | ||||
| $0.020 per $1,000 of coverage | |||||
Enroll or Make Changes
Don’t miss the deadline!
Make sure to enroll in your benefits by November 25, 2025 at this link: Workday.
Do I need to take action?
We encourage you to review and confirm your benefit coverage during Open Enrollment. If you do not make any changes during Open Enrollment, your current health, voluntary, and HSA plan elections will carry over into 2026, except for your Flexible Spending Accounts (FSAs), which you must re-enroll in each year.
Looking for more information? Access these links: 2026 Benefits Overview | Virtual Office Hours | Open Enrollment Workday Guide.
