It’s time to review your health insurance option for 2026.
The 2026 Option Transfer Period runs December 1–31, 2025. If you would like to change your option or Pre-Tax Contribution Program (PTCP) election, you must submit your request by December 31, 2025.
The NYSHIP Rates and Deadlines for 2026 flyer, which lists the 2026 biweekly premiums for The Empire Plan and NYSHIP HMOs, is available online and will be mailed to your home soon.
Health Insurance Choices for 2026 is available on the NYSHIP website and details the benefits and programs available under NYSHIP as well as the procedures for changing options.
Earlier this fall, you should have received your copy of Planning for Option Transfer, which provides information to help prepare for the changes you can make during the Option Transfer Period.
If you would like a printed copy of any of these publications, contact your HBA.
NYSHIP’s 2026 Option Transfer Guide is also available on the NYSHIP website. This page provides easy access to option transfer information, instructions, tools and additional resources.