2026 Benefits Open Enrollment
November 3, 2025 - November 14, 2025
In 2026, Western Digital is deepening its commitment to our people. We're shaping a benefits experience around what employees and their families need most—more choice, simpler navigation, and stronger support across health, family care, financial well-being. These benefits are intended to meet you where you are–giving you space to choose what supports your life today and as it changes.
Benefits will be effective January 1, 2026 - December 31, 2026
Your annual opportunity to:
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- Review benefit options
- Make benefit elections
- Add, remove, or change dependents
- Update beneficiary designations
If you don’t make new elections, your current benefits will continue for 2026, except for FSA, DCFSA, and HSA—you must re-enroll in those each year.
After Open Enrollment, changes are only allowed if you have an IRS Qualifying Status Change.
If no action is taken by 10:59pm PST on November 14, 2025, your current benefit elections will roll over into the 2026 plan year.
You must re-enroll for FSA, DCFSA (Dependent Care FSA), and HSA coverage during the Open Enrollment to continue to contribute to the January 1 – December 31, 2026 plan year.
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2026 Benefit Highlights
- HDHP Plan: Deductible increase to $1,700 individual and $3,400 family (IRS mandated)
- 2026 IRS Contribution Limits for:
- Healthcare/Limited Purpose FSA - $3,400 ($680 rollover)
- Dependent Care FSA - $7,500
- HSA - $4,400 Individual / $8,750 Family + $1,000 catch-up (Age 55+)
- Small increase to employee premiums for some plans
- 2026 Open Enrollment ServiceNow Article (Rates, FAQ’s, Workday Guide, Event Links, etc.)
- 2026 Open Enrollment Recorded Presentation (Coming Soon)
- 2026 Open Enrollment Decision Guide (Coming Soon)
2026 Benefit Plan Options
Employees have varying medical care needs, and it will be important for you to understand the difference between our medical plans: Anthem High Deductible Health Plan (HDHP), Anthem PPO, Anthem High Performance Network (HPN/EPO), and Kaiser High Deductible Health Plan (HDHP). To decide which plan would be most beneficial to you for the 2025 plan year, the review should include comparing deductibles, out of pocket maximums as well as the per pay period contributions.
The HPN/EPO is a member-based plan that is a suitable option for those who don’t need frequent care. It is an in-network only plan, but referrals are not required.
Learn about our Employee Benefits Decision Modeling Tool by Merative! Benefits Mentor is a personalized benefits decision tool to help you choose the right options for you and your family. Access the site and start navigating through the Benefits Mentor site to help make your decision.
- Anthem High Deductible Health Plan (HDHP) SBC
- Anthem PPO SBC
- Anthem High Performance Network (HPN/EPO) SBC
Kaiser
- Kaiser High Deductible Health Plan (HDHP) Northern California Summary - Coming Soon
- Kaiser High Deductible Health Plan (HDHP) Northern California SBC
- Kaiser High Deductible Health Plan (HDHP) Southern California Summary - Coming Soon
- Kaiser High Deductible Health Plan (HDHP) Southern California SBC
- Kaiser Hawaii Benefit Summary
- Kaiser Hawaii SBC
- Kaiser Hawaii Highlights
- Kaiser Member Guide
- Kaiser Microsite flyer
- Kaiser Emotional Wellness Flyer
- Kaiser Mental Health Flyer
- Kaiser One Pass Select Affinity Flyer
Health Equity Health Savings Account (HSA)
2026 Contribution Limits
The total amount you and Western Digital can contribute to your HSA for 2026 is:
- $4,400 for Individual medical coverage
- $8,750 for Employee plus one or more medical coverage
- $1,000 to these limits if you're age 55 or older, or turning 55 in 2026
Western Digital Contributions
From January 1, 2026 – December 31, 2026 Western Digital contributions will amount to:
- Individual: $800
- Family: $1,800
Health Equity Flexible Spending Accounts (FSAs)
Healthcare/Limited FSA – January 1, 2026 – December 31, 2026:
- Healthcare and Limited FSA maximum election amount will be $3,400.
- Up to $680 may be carried over to the next plan year, and amounts above the carryover limit will be forfeited.
- Active Employees have 90 days after the plan year (March 31, 2027) to turn in receipts for the 2026 plan year.
Dependent Care FSA Open Enrollment – January 1, 2026 – December 31, 2026:
- Dependent Care FSA Max election amount will be $5,000 (Pending IRS approval).
- All funds must be spent by December 31, 2026.
- Active Employees have 90 days after the plan year (March 31, 2027) to turn in receipts for the 2026 plan year.
Life & AD&D
Disability/Paid Family Leave
Caregiving
Employee Assistance Plan (EAP)
Legal and ID Protection
- MetLife Legal and Identity Theft Protection Overview
- MetLife Legal and Identity Theft Protection Overview Spanish
- MetLife Legal Plan How to reach a network attorney flyer
- MetLife Legal Plan How to reach a network attorney flyer Spanish
- MetLife Legal Plan How to Use Plan flyer
- MetLife Legal Plan How to Use Plan flyer Spanish
- MetLife Legal Plan Library flyer
- MetLife Legal Plan Library flyer Spanish
Voluntary Benefits
2026 Contributions
Need Assistance?
Need help with benefits or enrolling? Open an AskHR Ticket, or call 408-717-8398 or quick dial 228398 (anytime Monday-Friday, exclusively during Open Enrollment).
Need assistance understanding the medical plans? Reach out to our Anthem or Kaiser Concierge team.