GETTING READY
Preparing for enrollment
What’s new for 2026
NEW NAME FOR ANTHEM POS PLAN:
Effective January 1, 2026, the Anthem POS Plan will be renamed the Anthem PPO Plan.
We are changing the name to accurately reflect the true features of the plan. By being enrolled in a PPO (Preferred Provider Organization) Plan, you continue to enjoy enhanced flexibility in choosing your healthcare providers and do not need to obtain referrals to see specialists. No features other than the plan name will change. Provider network, copays, deductibles and out-of-pocket maximums remain the same.
If you are currently enrolled in the Anthem POS Plan, you will simply receive a new ID card reflecting the Anthem PPO Plan name.
NEW FLEXIBLE SPENDING ACCOUNT (FSA) ANNUAL MAXIMUM:
The FSA annual maximum contribution limit will increase for both the Health Care FSA and Limited Purpose FSA, from $3,300 to $3,400.
The annual contribution will increase for the Dependent Care FSA, from $5,000 to $7,500. Moody’s will continue to match up to $500 of your contributions to the Dependent Care FSA annually; however, beginning in 2026, Moody’s will provide the full contribution into your account at the beginning of the plan year in one lump sum.
NEW HEALTH SAVINGS ACCOUNT (HSA) ANNUAL MAXIMUM:
The HSA annual maximum will increase for those enrolled in the Anthem HealthSAver medical plan, from $4,300 to $4,400 for individual coverage and from $8,550 to $8,750 for family coverage.
NEW NAME FOR ANTHEM POS PLAN:
Effective January 1, 2026, the Anthem POS plan will be renamed the Anthem PPO Plan.
We are changing the name to accurately reflect the true features of the plan. By being enrolled in a PPO (Preferred Provider Organization) Plan, you continue to enjoy enhanced flexibility in choosing your healthcare providers and do not need to obtain referrals to see specialists. No features other than the plan name will change. Provider network, copays, deductibles and out-of-pocket maximums remain the same.
If you are currently enrolled in the Anthem POS Plan, you will simply receive a new ID card reflecting the Anthem PPO Plan name.
NEW FLEXIBLE SPENDING ACCOUNT (FSA) ANNUAL MAXIMUM:
The FSA annual maximum contribution limit will increase for both the Health Care FSA and Limited Purpose FSA, from $3,300 to $3,400.
The annual contribution will increase for the Dependent Care FSA, from $5,000 to $7,500. Moody’s will continue to match up to $500 of your contributions to the Dependent Care FSA annually; however, beginning in 2026, Moody’s will provide the full contribution into your account at the beginning of the plan year in one lump sum.
Ready to enroll?
Annual Enrollment will be open from Tuesday, November 4 through Wednesday, November 19.
If you’re ready to enroll, review the important reminders to ensure you’re making smart decisions for 2026.
Review this Benefits Guide and the Annual Enrollment information on Benefits Connect to explore all coverage options available to you and your family.
Visit EXPO’s Annual Enrollment page to view the Information Sessions schedule and to listen to recordings if you are unable to attend the live session.
Make your decisions and enroll between November 4 and November 19 until 11:59 pm Central Time on digital.alight.com/moodys.
Important reminders:
- If you do not make any new elections or changes for 2026, you will be automatically re-enrolled in your current 2025 coverage options.
- If you currently are not enrolled in coverage and do not make an election for your 2026 benefits, you will have no Moody’s coverage in 2026.
- Once you enroll, your benefit elections will be effective on January 1, 2026, and will stay in effect for the full calendar year unless you experience a qualified life event. Should you experience a qualified life event, visit Benefits Connect to make the applicable changes within 31 days of the event.