Enhanced Limited Coverage Plan

The Limited Coverage Plan (LCP), previously provided by Anthem, will now be offered through UnitedHealthcare (UHC) Flexwork. Enhancements for 2026 will include:

• An out-of-pocket maximum — if you meet this maximum, the plan will pay 100% for covered services for the rest of the plan year

• Unlimited virtual care visits

• Coverage for outpatient labs

• Coverage for non-preferred prescription drugs

UHC Flexwork will also provide prescription drug coverage for the LCP. Walgreens is the preferred pharmacy. Associates enrolled in the LCP will access the Employee Assistance Program (EAP) through UHC.

Note: The LCP is offered to associates who make up to $75,000 per year (base salary), excluding Hawaii and Puerto Rico. The LCP includes certain prescription drugs and preventive, wellness-related, and routine wellness care. There’s a 10 visit combined limit per member for primary care physician, specialist, mental health, substance abuse, and pregnancy visits. Urgent care visits are limited to two.

Anthem Medical and Prescription Drugs

• There will be no plan design changes to the Consumer Choice 2000/4000 Deductible Plan, Consumer Choice 4000/8000 Deductible Plan, or Classic PPO Plan for 2026.

• Enrolled in an Anthem plan? Anthem will send communications, including identification cards, claims, and more, to your personal email address that is on file here at Conduent. You can opt out of receiving emails from Anthem during the Annual Enrollment window. Otherwise, you can opt out on the Anthem portal.

• New Anthem select networks for certain locations. If you enroll in an Anthem plan and live in Kansas City, Kansas or Kansas City, Missouri, New Hampshire, or Virginia, you will access care through a select network. Anthem reviews providers in the select network to ensure they meet high standards of care. Visit anthem.com to find a provider  

• Weight loss drugs for Anthem plans, including GLP-1s, will no longer be covered as of January 1, 2026. GLP-1s prescribed for other health conditions, such as diabetes, will continue to be covered.

Kaiser Permanente Plans

Kaiser Permanente will continue to be available if you live in northern or southern California and Georgia. Visit select.kp.org/conduent for more details on the Kaiser Permanente plan available to you.

Hawaii and Puerto Rico Associates

• Hawaii associates: HMSA will continue to administer your medical plan. Visit hmsa.com for details.

• Puerto Rico associates: Triple-S will continue to administer your medical plan. Learn more at ssspr.com.

Flexible Spending Accounts (FSAs)

• Health Care FSA limits. The new, increased annual contribution limit for 2026 will be $3,400. Plan accordingly, as this account is a use-it-or-lose-it benefit.

• Dependent Care FSA limits. Good news — you can contribute up to $7,500 in 2026 to the Dependent Care FSA ($3,750 if you’re married and file separate tax returns). If you’re considered a highly compensated employee for 2025 and/or 2026, your contribution will be limited to $1,075 for the Dependent Care FSA in 2026. Check out which expenses are eligible for reimbursement.

• FSA elections do NOT roll over. You must enroll if you want to participate in an FSA for 2026.

• Commuter benefit limits. You can contribute up to $340 per month to your transit/vanpool account and up to $340 per month to your parking account.

Health Savings Account (HSA)

The IRS has increased the annual HSA limit in 2026 to $4,400 individual/$8,750 family. This limit includes your contributions and Conduent’s contributions.

Conduent’s contribution to the HSA will change in 2026.

• If you are enrolled in the Consumer Choice 2000/4000 Deductible Plan and eligible for HSA contributions, Conduent will contribute $10.42 per paycheck in 2026 if you have associate-only coverage or $20.84 per paycheck for any level of family coverage (a potential total Conduent contribution of $250 or $500 annually).

• If you are enrolled in the Consumer Choice 4000/8000 Deductible Plan and eligible for HSA contributions, Conduent will contribute $15.63 per paycheck in 2026 if you have associate-only coverage or $31.25 per paycheck for any level of family coverage (a potential total Conduent contribution of $375 or $750 annually).

• You will open your HSA on BenefitsWeb during the enrollment process. (If you’re currently enrolled in a Consumer Choice plan and already have an HSA with HealthEquity, you’ll keep using the same account for 2026.)

401(k) Plan

Important update: 401(k) changes are coming in 2026 under Secure 2.0.

• Roth catch-up contributions: Employees age 50 or older who earned more than $150,000 in 2025 (indexed annually) must make catch-up contributions on a Roth basis, meaning after-tax dollars. You will receive notification early next year if you are identified as earning more than the Secure 2.0 compensation basis.

• Enhanced catch-Up for ages 60–63: If you are between the ages of 60 and 63 in 2026, you may be eligible for an enhanced “Super Catch-Up” contribution, allowing you to contribute up to an additional $11,250 to your 401(k) plan for that plan year. (If you’re age 50-59 or age 64 or older, your catch-up contribution limit is $8,000.)