The open enrollment period for Marine Corps NAF Civilians will be held 1 – 30 November 2025

The elections you make during Open Enrollment will take effect January 1, 2026.

If you are not changing anything, your current plan will carry over into 2026, except your FSA elections which need to be elected each year.

Open Enrollment Sneak Peek

Open Enrollment is your time to:

• Enroll in health benefits

• Switch plans

• Cancel or waive coverage

• Add or remove dependents

• Enroll in an HSA if you choose the HDHP option

• Enroll or re-enroll in an FSA

Remember: FSA elections don’t carry over year to year, so you need to re-enroll.

If you elect the HDHP with an HSA, you can’t have a Health Care FSA — but you can have a Dependent Care FSA.

What’s new?

Changes to your coverage

For 2026, the average annual cost of medical coverage is $15,384 per employee. Your NAF employer covers 70% of this amount ($10,769), while employees contribute the remaining 30% ($4,615) in premiums. As we strive to minimize annual cost increases for employees, we must also address the continually rising cost of health care and prescription drugs for our organizations.

2026 plan changes

Aetna Choice® POS II and Traditional Choice Plans: Deductibles and out-of-pocket maximums have increases. The copay for primary care (PCP) and urgent care visits is increasing to $45, and specialist office visit copays are increasing to $70.

High Deductible Health Plan (HDHP): Deductibles and out-of-pocket maximums have increases. Member coinsurance share (what you pay after deductible is met) is increasing from 25% to 30%.

To view the 2026 Summary of Benefits for your plan, go to nafhealthplans.com > Explore benefits > Medical and dental plans and choose the plan you’d like to view. Plan documents are located under Resources and Forms.

There will be new ID cards for all medical plans.

The nafhealthplans.com website is here for you!

As part of our mission of “Taking care of you,” your DoD NAF Health Benefits website has all the helpful information you need, organized in easy-to-use modules with categories based on what you need to do on the site at different points in the year.

News & resources: Find premium rates, upcoming events, medical forms and more.

NAF employees and NAF retirees: Visit your page to find resources just for you.

Go to nafhealthplans.com to start exploring.

Three programs continuing in 2026

Aetna® Back and Joint Care: Personalized digital exercise therapy, in partnership with Hinge Health®, for anyone living with muscle and joint pain.

CVS Weight Management: Support, resources and tools to help you achieve lasting results when you’re prescribed a weight loss medication.

Hello Heart: No-cost app and free smart blood pressure monitor to manage your heart health and get real-time tips.

Learn more at nafhealthplans.com > Explore benefits.

How to make changes

Visit nafhealthplans.com  to learn more about Aetna’s medical, dental, Rx, vision, and flexible spending accounts and changes for 2026.

• If you live in the National Capitol Region, Southern California, or Hawaii, you may have access to an HMO. Contact your local NAF HR office for information.
• There’s a lot to consider as you make your enrollment decisions for 2026. Talk to ALEX, your interactive benefits counselor, who can help you choose the right benefits based on your needs, budget and preferences. He’s smart, friendly and easy to use. Just give him some basic information and he’ll walk you through your plan options for medical, dental and Flexible Spending Accounts (FSAs). He’ll suggest benefits that match your needs, budget and preferences. Meet Alex now.

• Listen to Aetna’s Open Enrollment conference calls: Aetna representatives will walk you through plan changes and offer opportunities to ask questions. View the conference call times here Call Schedule and Dial in Information.
• Enroll in the health care and/or dependent care Flexible Spending Accounts (FSAs). The Health Care (standard or limited) FSA annual maximum plan contribution limit is $3,400 in 2026. The Health Care (standard or limited) FSA rollover maximum limit is $680 in 2026. 
• To enroll, terminate or update your health, FSA, or short term disability benefits for the 2026 calendar year go to Peoplesoft Self Service 1-30 November to make your elections or changes.
• If you don't have access to Peoplesoft Self Service, please contact your local HR Office for assistance. Paper enrollment forms will only be accepted in rare exceptions
• View the Employee Self Service Guide to Updating Benefit Plans for a guide to making changes.

Still have questions?

Visit the new Marine Corps Virtual Benefits Fair to learn about all your 2026 benefits — including medical and dental plans, pension, 401(k), and disability and life insurance plans. You'll find videos, flyers and downloadable enrollment kits to help you choose the right benefits for you and your family. Visit now. The Virtual Benefits Fair (VBF) is live from Saturday, 1 November – Sunday, 30 November.