2026 Open Enrollment

October 15 – November 15, 2025

There are plan changes coming in 2026! Continue reading to learn more. Once you're finished, log in to make your Open Enrollment elections.

Open enrollment is your once-a-year opportunity to:

  • Review your current plan elections and covered dependents
  • Complete the spousal affidavit (if you want to cover your spouse in 2026)
  • Enroll in or change your medical and/or dental plan
  • Add or drop eligible dependents
  • Update your contact and beneficiary information

Changes you make during this year’s open enrollment will be effective January 1, 2026.

 

 

Plan changes are allowed only during the open enrollment period or if you qualify for special enrollment rights. Outside of open enrollment, you are only able to make changes to your coverage within 60 days of experiencing a life event, such as getting married or divorced, having a baby, or your spouse losing coverage under their own plan. So it’s important during the open enrollment period to think carefully about your choices and make sure you select the right plans for your needs.

 

Note: Your enrollment in Teamsters Local 14 benefits is managed separately from your employer’s open enrollment. To manage your Teamsters benefits, you must handle them directly through the Trust Fund site.

What's New for 2026

Introducing the new Engaged Care Plan! In 2026, the HMO Plan (Health Plan of Nevada) will no longer be offered, and the Engaged Care Plan will be implemented in its place. For those who are currently enrolled in the HMO Plan and want to continue your health care in 2026, you must decide whether to enroll in the PPO Plan or the new Engaged Care Plan. The new plan operates in the same manner as an HMO and requires the Family Wellness Centers to be your first stop and primary source for all your health care needs. For more information about how the new plan works, watch the 2026 open enrollment video or refer to the Engaged Care Plan page.

As an added bonus, all members who enroll in the Engaged Care Plan for 2026 will automatically be entered for a chance to win two tickets for a Raiders or Golden Knights game during the 2025–2026 season. Up to 20 winners will be chosen at random and contacted by Zenith after open enrollment ends. For more details, check out the video below:

 

 

Review your 2026 Open Enrollment Guide for an overview of your coverage options.

Save Money at a Family Wellness Center!

The Teamsters Local 14 Family Wellness Centers, located in Northwest Las Vegas and Henderson, offer convenient and comprehensive primary and acute health and wellness services delivered by experienced physicians and advanced practice providers (e.g., physician assistants and registered nurses) at no cost to you! Services are available to all Teamsters 14 plan participants and their covered dependents. Due to popular demand, in 2026 the wellness centers will be expanding their staff and will offer additional services, such as physical therapy and access to a registered dietician/health coach. Visit the Family Wellness Center website for details.

How to Enroll

Starting October 15, log in to the benefits portal to complete your open enrollment elections and spousal affidavit.

  1. Log in to the benefits portal.
  2. In the left-hand menu, select Online Enrollment.
  3. Complete the following step-by-step enrollment process:
    • Click Start Enrollment.
    • Read enrollment details and Continue.
    • Verify your personal information and click Continue.
    • Verify your dependents’ information and whether everyone you wish to cover is showing. If all are not showing, click Add Dependent. Once you have verified, click Continue.
    • The next screen will allow you to choose the benefit plan and complete the spousal affidavit.
    • The next screen will ask about other medical coverage for all members you wish to cover. Once completed, click Continue.
    • The following screen will request beneficiary information. Once completed, click Continue.
    • The next page will ask for your digital signature to confirm your enrollment. Once you type in your name and click Continue, the confirmation page will display and you can exit enrollment.
    • DO NOT go back into the enrollment link once you have completed your enrollment, or you will get an incomplete note. Should you go back into enrollment, you will again have to go through and complete all the enrollment pages, or your enrollment will be incomplete.

Once you complete the enrollment process, you can choose to print your enrollment confirmation or have Zenith American Solutions mail it to you.

Dependent Coverage

If you are adding a new dependent for 2026, you must upload required documentation, such as a copy of your certified marriage certificate (not the marriage license) for a new spouse, or a copy of the certified birth certificate for each new child. If your dependent is already enrolled for 2025 benefits coverage, you do not need to upload new documentation to continue their coverage for 2026.

If you want to cover your spouse (new or not) for 2026, you MUST COMPLETE the online spousal affidavit, even if you completed it last year (see below).

Submit Your Online Spousal Affidavit

To cover your spouse, you will need to submit an online spousal affidavit through the benefits portal. Even if you completed the spousal affidavit last year, you must complete and return it again by November 15 to enroll your spouse for 2026 health care coverage. On the affidavit, indicate whether your spouse has the option to enroll in other group medical coverage through their current employer.

If your spouse has the option to enroll in other group medical coverage but does not elect it and continues to have the Fund’s medical plan as primary coverage, you must pay a $300 monthly surcharge. An invoice with payment information will be mailed to you on December 1 for payment due by December 20.

If your spouse does not have the option to enroll in other group medical coverage, works part-time, is a retiree, or is enrolled in their employer’s health plan as primary coverage (pays first) and in the Fund’s health plan as secondary coverage (pays second), you will not be required to pay a monthly surcharge as long as you complete the online spousal affidavit by November 15.

If you certify that your spouse does not have the option to enroll in other group medical coverage and you enroll your spouse in the Fund’s medical plan, and then later it is determined that your spouse was enrolled in or had the option to enroll in other group medical coverage, you must pay the $300 monthly surcharge for each month it should have been applied. Plus, you may have to repay the Trust Fund for any benefits that were improperly paid for your spouse.

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