Annual Enrollment 2026

As part of your CF Total Rewards, we offer a market-competitive benefits package along with the flexibility to personalize it to meet the needs of you and your family. CF reviews market practices and trends among our competitors on an ongoing basis. With healthcare and dental costs continuing to increase well beyond medical inflation each year, our competitors are shifting their cost-sharing approaches. CF will evaluate the existing cost-sharing structure for the 2027 plan year to ensure we remain competitive and aligned with market practices.

What’s New For 2026

Price tags and Flex Credits
Healthcare costs continue to climb, with a 26% increase in claims over the past 12 months. This upward trend in claim activity, combined with ongoing increases in the cost of healthcare services, will result in costs and Flex Credit increases for both healthcare options.

Learn About 2026 Annual Enrollment

During Annual Enrollment, CF provides Flex Credits based on your enrollment status. You can use these credits to:

• Purchase health coverage
• Purchase dental coverage
• Use excess Flex Credits to:
  • Allocate to a Health Spending Account (HSA)
  • Take as taxable cash through bi-weekly payroll credits

Health Spending Account (HSA): HSAs can be used to pay for out-of-pocket health and dental expenses. Employees can choose to deposit unused Flex Credits into your HSA. You can also carry forward unused HSA credits to the next year, however, credits that are not used by the end of the second year will be automatically forfeited as required by the Canada Revenue Agency.

Vision coverage is provided under the Medical Plan Option 1 or Option 2.

Decide If You Need to Enroll

This is a passive enrollment, which means that if you do not enroll, your 2025 coverages will carry forward to 2026, including your excess Flex Credit election. However, if you want to make changes to your coverage, or change how your excess Flex Credits are allocated, you should take action by November 14, 2025.

Reminder: If you add a new dependent to coverage during annual enrollment, you must provide supporting documentation such as marriage certificate, birth certificate, etc., to support your dependent’s eligibility for coverage under the CF plans.

Who is Eligible?

• Regular, full-time employees
• Spouses/Domestic Partners (i.e., person you are legally married to or have been living with for at least three years)
• Employee’s children and spouse’s children under the age of 21 and unmarried
• Employee’s children and spouse’s children between the ages of 21 and 25 if they are unmarried and a full-time student at a recognized post-secondary institution
• Employee’s children and spouse’s children of any age, unmarried and unable to care for themselves due to a mental or physical disability that occurred before the age of 21, or before the age of 25 while a full-time student at a recognized post-secondary institution

Annual Enrollment is your yearly opportunity to enroll in benefits for the following year, make changes to your current elections or add/drop dependents. The choices you make during Annual Enrollment are effective Jan. 1 through Dec. 31 of the following calendar year. Annual Enrollment is the only time employees can enroll in or make changes to their benefits, unless you experience a qualifying life event, such as marriage or birth of a child.