Enroll for 2026 Benefits

Use all available resources to help you determine the plans that best fit the needs of you and your family. Refer to the Plan comparison chart for a general overview. For customized help, talk with or text ALEX, our decision tool, to help you weigh your plan options, based on your own personal situation. ALEX can help you understand how the plans work and compare premiums or co-shares and out-of-pocket costs for each option.

When you’re ready to enroll, log in to Workterra, the State’s online enrollment system. During the Open Enrollment period, you can access Workterra to add dependents and make or change benefit elections as many times as you like. The deadline is 11:59 pm Eastern on October 31, 2025.

What to Know

Your username is the first initial of your first name + your full last name (no hyphens, apostrophes, spaces, or titles) + the last four numbers of your Social Security number (e.g., jsmith1234).

The Company is Rhode Island (not case sensitive; space between “Rhode” and “Island” is required).

If you need help using Workterra, contact the Office of Employee Benefits, or refer to the Workterra User Guide.

Important! Designating a PCP

When you select your medical plan, you will notice that the “designate a PCP” section will require a response—even for those employees who are not required to elect one. With the exception of the groups below, just click “Auto Allocate” for a PCP and move to the next section. No PCP will be assigned to you.

You will need to elect a PCP if you are a member of certain University of Rhode Island non-classified unions. For a listing, please visit the OEB website news page.

The State offers several plans and programs that can save you (or help you earn) money. Most of these plans allow you to make your benefit payroll contributions with pretax dollars so that you pay less in taxes. We call these the tax-advantaged plans. If you were enrolled in these plans for 2025, some require you to re-enroll to be able to participate in 2026.

What to Know

• The State contributes to a tax-advantaged health savings account (HSA) for you if you elect the Anchor Choice medical plan. You can contribute to your HSA, too.
• You may elect a health care flexible spending account (FSA) to help with your out-of-pocket health care expenses, as long as you are not enrolled in the Anchor Choice medical plan. That plan comes with the Health Savings Account for medical expenses. If you enroll in the Anchor Choice medical plan, you can elect a limited purpose healthcare FSA to help cover dental and vision expenses.
• Enroll in the deferred compensation plan for a retirement savings account that is funded with pretax paycheck contributions.
• Elect a dependent care spending account (DCSA) to help with eligible dependent care expenses (like day care, preschool, after-school care, summer camp, etc.).
• And if you’re thinking about setting aside some money for your child’s college, consider the CollegeBound Saver plan.

Once you’re enrolled, make sure to elect beneficiaries for your benefits that provide a payment to an individual (or individuals) in the event of your death.

What to Know

• Beneficiaries are required for life insurance, the Anchor Choice Plan’s HSA, your Employees’ Retirement System of Rhode Island (ERSRI) defined benefit plan, the 401(a) defined contribution plan and the 457(b) deferred compensation plan.
• Even if you’ve already elected a beneficiary, it’s a good idea to double check your designation just to make sure nothing’s changed.
• You’ll need to elect a beneficiary for each plan separately; they are managed by different administrators.

Mistakes happen! Review your elections on the Workterra confirmation statement page. Be sure to check to see that everything listed is accurate and that you’ve elected coverage for your dependents, if applicable. Once Open Enrollment ends, you will not be permitted to make a change to your coverage until next year’s Open Enrollment period in the fall of 2026 unless you experience a qualifying status change.

What to Know

• Made a mistake or changed your mind? Don’t worry—you can go back and change your elections anytime until 11:59 pm Eastern on October 31.
• No changes will be permitted after that time unless you experience a qualifying status change.