City & County of San Francisco Open Enrollment Guide

Welcome City & County of San Francisco, MEA, and Superior Court of San Francisco employees to your Open Enrollment elections guide. The San Francisco Health Service System administers your Medical, Vision, Dental, Flexible Spending Accounts (FSA), and Voluntary Benefits.

Open Enrollment begins on October 1 and ends on October 24, 2025 at 5 p.m. PST. All paper applications and any applicable verification documents must be postmarked by October 24, 2025 to be accepted.

Life and Disability Insurance

NEW! New York Life

The San Francisco Health Service System selected New York Life to be the City's vendor for Life, AD&D, and Disability Insurance, replacing The Hartford, effective January 1, 2026. New York Life will also be the administrator of the voluntary Short-term Disability program, replacing Manhattan Life, effective January 1, 2026. ƒ

• Enhancement for 2026: Increased Guaranteed Issue amount for Voluntary Supplemental Life Insurance – Employee-Paid, from $100,000 to $200,000. ƒ
   
• Voluntary Accidental Death and Dismemberment (AD&D) Insurance – Employee-Paid, coverage up to $500,000 with no need for Evidence of Insurability (EOI).
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• Estate Guidance and Will Preparation are included as no-cost value-added services for current Active Employees who are either eligible for employer-paid Basic Life Insurance, Long-Term Disability Insurance, and/or have elected to enroll in Voluntary Supplemental Life Insurance – Employee-Paid, or Voluntary AD&D Insurance – Employee-Paid through New York Life.

Special Guaranteed Issue Period

A Special Guaranteed Issue Period will be open, beginning October 1st and ending on October 24th. Eligible employees may obtain up to $200,000 in guaranteed issue Supplemental Life Insurance, without the need to provide Evidence of Insurability (EOI).

You may also utilize this Special Guaranteed Issue period to elect up to $50,000 of guaranteed issue life insurance for your spouse/domestic partner, without the need to provide Evidence of Insurability (EOI).

This Special Guaranteed Issue period is extended to eligible City Employees who may have previously been denied Supplemental Life Insurance, those who currently have Supplemental Life Insurance with lower guaranteed issue amounts, and to those who have not previously elected Supplemental Life Insurance in the past. This is also the time to choose Supplemental Life Insurance for your dependents. 

Surrogacy and Adoption

SFHSS offers a one-time reimbursement of up to $15,000 for eligible employees or retirees to cover qualified expenses from adoption or surrogacy. For more information and eligibility requirements, visit https://sfhss.org/adoption-and-surrogacy-assistance-plan

Your 2026 San Francisco Health Service System (SFHSS) benefits are here!

Each year, Open Enrollment provides you with the opportunity to review your benefits and make any updates that best support your health and well-being. For Plan Year 2026, the Open Enrollment period will be held from October 1 to October 24, 2025.

During this period, you may:

• Review your current medical, dental, vision, and other benefit elections.
• Compare plan options and make changes to your coverage.
• Update your beneficiaries.
• Enroll in or waive coverage.

I encourage you to take advantage of this important opportunity to ensure that your benefits align with your needs and those of your family.

In good health,


Rey Guillen
SFHSS Executive Director

SFHSS members can complete their Open Enrollment elections online through SF My Hub. Use this detailed guide to help you navigate SF My Hub: SF My Hub Navigation Instructions for OE Plan Year 2026. Review your Open Enrollment Letter to see your current medical, vision, and dental elections, then click on the icon below to access SF My Hub.

Do you have changes you want to make in your benefits elections or dependent(s)?

If YES, go to Steps 2 through 9 on how to make changes.

If NO, and you do not want to enroll in Health Benefits or Dependent Care FSA account for the next plan year, then you have no further actions to take and skip to Step 9 below.

Review the dependent(s) listed in your enclosed Open Enrollment letter and dependent eligibility rules here.

Complete the Add Individual Dependent/Beneficiary Information in SF My Hub to add dependents or modify existing dependents.

Save and continue through all the screens and confirm at the end to submit your changes.

Submit copies of supporting documents. New dependents must have supporting documentation submitted with their elections in order to be enrolled (e.g. social security card, birth certificate, certified marriage certificate).

Start by reviewing the Service Areas for the medical plans available to you. There are five (5) options to choose from, four (4) HMO plans and one (1) PPO plan.

• Compare in-network providers for each HMO plan by clicking here.
• View a summary of benefits for all medical plans here.
• Use the Benefits Plan Comparison tool available on SF My Hub.

Make sure to review your rates for Plan Year 2026 by clicking here. Once you’ve made your decision, select your plan and follow the instructions for enrollment through SF My Hub.

Review the Vision benefits options and rates here. You must be enrolled in a medical plan to receive basic vision benefits.

Enrollment in the VSP Premier Plan requires that all dependents enrolled in medical coverage be enrolled in the VSP Premier Plan.

Select your plan and follow the instructions for enrollment through SF My Hub.

Review your Dental benefit options below. To review Dental Benefits costs click here. Follow the instructions for enrollment through SF My Hub.

To contribute to a Flexible Spending Account (FSA) for the 2026 plan year, you must re-enroll during Open Enrollment.

For your Healthcare FSA, you can contribute up to $3,300 on a pre-tax basis.

For the Dependent Care FSA, if your annual salary is $160,000 or less, you can contribute between $250 and $7,500 on a pre-tax basis. If your salary exceeds $160,000, the IRS classifies you as a highly compensated employee, and your contribution limit will be between $250 and $3,000. SFHSS may adjust your contribution limit if you are not eligible for the higher amount.

Would you like to set aside pre-tax dollars in an FSA to cover Healthcare and/or Dependent Care expenses?

• If YES: Decide how much you want to contribute, then complete the Health Care FSA section on SF My Hub. 
• If NO: Continue to the next step to make changes to other benefits.

Members of the City and County of San Francisco and the Superior Court of San Francisco can schedule a personalized session with Workterra by visiting workterravboe.com or calling at (833) 711-4498. 

Starting October 1st: To enroll in voluntary benefits, access the Workterra application at https://myapps.sfgov.org and click on the Workterra tile where you can self-enroll, dis-enroll, or confirm any existing elections.
 

Complete your elections on SF My Hub.

Make sure to select Save and Continue on each screen, and click Submit at the end to finalize your enrollment. Otherwise, your elections will not be processed. Print a copy of your enrollment statement after submitting your elections.

If you are unable to enroll online, download an Open Enrollment Application form and return your form and applicable verification documents by fax or mail to SFHSS.

After Open Enrollment ends, you’ll receive a Health Benefits Enrollment Confirmation Statement by mail in December. Carefully review it to ensure there are no administrative errors. Only administrative errors can be corrected, and all corrections must be submitted by December 31st. Changes made during Open Enrollment will take effect on January 1, 2026.