Inscripción abierta a las prestaciones
Oct. 15–31, 2025
Please note that SmartSource will be down Oct. 11-14 to prepare for open enrollment. You will not be able to access the benefits marketplace during this time.
Johns Hopkins Health System (JHHS) open enrollment for 2026 benefits is Oct. 15-31, 2025. Any changes you make during open enrollment will go into effect on Jan. 1, 2026.
Esta es su oportunidad anual de inscribirse, darse de baja o cambiar estas prestaciones:
- Seguro médico, dental y oftalmológico
- Cuentas flexibles de gastos sanitarios y de atención a dependientes
- Seguro de vida complementario
- Seguro de vida entera
- Seguro de invalidez de larga duración
- Seguro de accidentes, enfermedades graves e indemnización hospitalaria
- Servicios jurídicos de prepago
- Protección contra el robo de identidad y el fraude
Consulte el boletín de inscripción abierta en Inglés o English.
Everything You Need to Know About Open Enrollment in 90 Seconds
If you currently cover dependents and will continue to cover them in 2026, you may need to provide documentation that verifies your relationship to confirm their coverage. Visit SmartSource to see if you have a task on your to-do list.
If you don’t provide the required documentation, your dependents will not have coverage in 2026.
If you don’t do anything during open enrollment, your current benefits will continue in 2026, except:
- Flexible spending accounts (FSAs): If you want an FSA for 2026, you must enroll in one during open enrollment. FSAs don’t carry over year to year.
- Allegiance medical plan coverage: We will no longer offer Allegiance medical plans in 2026. If you’re currently enrolled in an Allegiance plan, you’ll automatically be enrolled in an Employer Health Programs (EHP) medical plan to prevent accidental loss of coverage.
If you were recently hired, you may need to enroll twice. See details.
¿Preguntas?
Póngase en contacto con el HR Support Center llamando al 443-997-5400 de 7.00 a 17.00 horas, de lunes a viernes, o al hrsc@jhmi.edu.
Llame al Centro de Asistencia de Recursos Humanos al 443-997-5400, opción 9 de 7 a.m. a 5 p.m., de lunes a viernes, o envíe un correo electrónico a hrsc@jhmi.edu.
View myBenefits In English
Toda la información de sus beneficios están disponibles en esta página de mybenefits, disponible en cualquier dispositivo. To see myBenefits in English, select Español en el menú desplegable Elegir idioma.
Visite Recursos en español for more information on the benefits in English.
Your Steps to Enrollment
1. Consulta tus prestaciones actuales
Visite SmartSource para ver en qué prestaciones está inscrito actualmente.
2. See what’s new for 2026
Lea a continuación los cambios en nuestras prestaciones y cotizaciones de los empleados.
3. Enroll by Oct. 31
Enroll, drop or change your benefits on SmartSource by Friday, Oct. 31.
What’s Changing in 2026
Employee Contribution Increases
El Johns Hopkins Health System paga la mayor parte del coste de su seguro médico, dental y oftalmológico, y 100% de su seguro de incapacidad a corto plazo y de su seguro de vida básico.
To continue providing comprehensive coverage in the face of rising health care costs nationwide, medical, dental and vision contributions will increase moderately for most employees.
Deductible & Out-Of-Pocket Maximum Increases
En deducible es el importe que paga antes de que el plan empiece a pagar. En gastos máximos is the most you’ll pay for covered expenses each plan year.
The deductible and out-of-pocket maximum for the Johns Hopkins Preferred Provider Organization (PPO) medical plan will increase for employees with a salary of $50,000 or more. View the updated amounts in the cuadro comparativo médico.
EHP will mail new ID cards with the updated deductible and out-of-pocket maximum amounts.
Límites de las aportaciones a la FSA y los remanentes
Asistencia sanitaria FSA
- You can contribute up to $3,300 in 2026 and carry over up to $660 from 2025.
- You have until March 31, 2026, to use the remaining funds in your 2025 FSA for claims incurred in 2025. Any funds over the $660 carryover limit will be forfeited.
FSA de atención a dependientes
- In 2026, you can contribute up to:
- $7,500 if you’re single or married and file jointly.
- $3,750 if you’re married and file separately.
- You have until March 31, 2026, to use the remaining funds in your 2025 FSA for claims incurred in 2025. You can’t carry over unused funds.
Discontinuing Allegiance Medical Plan Options
In our continued effort to harmonize benefits across the health system, we will no longer offer the Allegiance medical plans as of Jan. 1, 2026.
You can choose to enroll in one of the Johns Hopkins Employer Health Programs (EHP) medical plans that we introduced in 2025. These are the same medical plans we offer to other JHHS hospitals and member organizations.
If you’re enrolled in an Allegiance medical plan in 2025 and don’t do anything during open enrollment, you’ll automatically be enrolled in an EHP medical plan to prevent accidental loss of coverage. If you don’t want to be enrolled in an EHP medical plan in 2026, you must waive coverage during open enrollment.
| If you’re currently enrolled in the … | You’ll be automatically enrolled in the … |
| Allegiance Consumer Driven Plan (CDP) | Plan de Organización de Proveedores Exclusivos (EPO) de Johns Hopkins |
| Allegiance Open Access Plan (OAP) | Plan de Organización de Proveedores Preferentes (PPO) de Johns Hopkins |
Important Things to Know About the EHP Medical Plans
Like Allegiance plans, the EHP plans also:
- Use a combination of coinsurance and copays for the cost of care.
- Administer prescription drug coverage through CVS Caremark.
- Can be paired with a health care FSA.
- Offer no-cost coverage for All Children’s providers (except for the emergency room).
- Have no-cost programs for specialty, asthma and diabetes medications.
Here are some key differences with the EHP plans:
Access to a Larger Network of Physicians and Providers
The EHP plans use physicians and providers from a larger Cigna PPO network as well as their EHP network. Most employees can continue seeing their current providers.
Search the Cigna network to confirm your providers are in network or find in-network doctors and facilities near you.
Lower Out-Of-Pocket Costs
The EHP plans have lower deductibles, so you’ll pay less out-of-pocket before the plan begins to pay. They also have lower copays for in-network primary and urgent care visits.
No Health Reimbursement Account (HRA)
The HRA is an employer-funded account that automatically pays eligible medical expenses, such as the deductible and copays. The balance resets each year, and unused funds are forfeited.
The EHP plans don’t have an HRA. If you’re enrolled in the Allegiance CDP plan, you’re encouraged to use any remaining balance in your HRA by Dec. 31, 2025.
New Health Care Support Programs
MDLIVE and Blueberry Pediatrics will be replaced by Atención virtual a la carta de Johns Hopkins y UpLift.
You’ll have access to EHP’s care coordination for help with chronic conditions, maternity management and specialty appointments.
Visite Otras prestaciones sanitarias para saber más.
Compare Plans and Get Help Choosing
Both EHP plans use a combination of coinsurance and copays for the cost of care and can be paired with a health care FSA. The key differences between the plans are:
- En Johns Hopkins EPO Plan offers only in-network coverage and has lower paycheck contributions.
- En Johns Hopkins PPO Plan offers in- and out-of-network coverage, has a lower deductible and higher paycheck contributions. Unlike the EPO plan, the amount of the deductible is based on your salary.
Need help choosing a plan? ALEX, su asesor de prestaciones en línea, puede ofrecerle recomendaciones personalizadas para ayudarle a tomar decisiones seguras e informadas. Hable con ALEX.
Inscribirse en SmartSource
Visite SmartSource by Friday, Oct. 31 to enroll in or make changes to most benefits.
Si desea cambiar o eliminar seguro de vida enterapóngase en contacto con Unum en 800-635-5597. Puede haber algún valor en efectivo en su plan.
Recordatorios importantes:
- If you don’t want to make changes to your benefits or enroll in an FSA in 2026, you don’t need to do anything. Your current benefits, except FSAs and Allegiance medical plan coverage, will continue in 2026.
- Para inscribir a un dependiente, necesitará su NSS y una prueba de parentesco, como un certificado de matrimonio o de nacimiento.
- If you currently cover dependents, you may need to provide documentation that verifies your relationship to confirm their coverage. Visit SmartSource to see if you have a task on your to-do list.
SmartSource is available in English
En SmartSource, seleccione English en el menú desplegable Welcome en la esquina superior derecha.
How to Enroll on SmartSource
Ver en inglés
View in English
Employees who are hired or newly eligible for benefits Oct. 15 – Dec. 31, 2025
The benefits plan year is Jan. 1 – Dec. 31. If you’re hired or newly eligible for benefits between Oct. 15 and Dec. 31, you must actively enroll in benefits or waive coverage for the rest of the 2025 and then actively enroll in benefits for 2026.
If you don’t enroll in or waive coverage for 2025, you won’t be able to enroll in coverage for 2026 either. You’ll have to wait until the next open enrollment period, unless you have a qualifying life event.
Medical plan changes for 2026: We will no longer offer the Allegiance medical plans as of Jan. 1, 2026. If you’re hired on or after Nov. 1, you won’t be able to enroll in an Allegiance medical plan in 2025. If you want medical coverage for the remainder of 2025, you can enroll in a Johns Hopkins Employer Health Programs (EHP) medical plan.
Learn more about this change on this page under What’s Changing in 2026.
Presentar los justificantes de las personas a cargo antes del 30 de noviembre
- Currently cover dependents and will continue to cover them in 2026.
- Enrolled dependents in 2026 coverage during open enrollment.
If you receive this request, you must provide the documentation by Sunday, Nov. 30. If you don’t, your dependents won’t have coverage in 2026.
Visite SmartSource to see if you have a task on your to-do list and submit documentation.
Guarde su declaración de confirmación
You’ll need a copy of your confirmation statement if you have questions about your 2026 elections later.
- Si se inscribe durante el periodo de inscripción abierta: Puede descargar una copia en SmartSource después de pagar. También recibirá una confirmación por correo electrónico una vez cerrada la inscripción.
- Si no hace nada durante la inscripción abierta: Puede descargar una copia de su declaración de confirmación en SmartSource una vez cerrada la inscripción.
Para ver su declaración:
- Entrar en SmartSource using your work credentials.
- Seleccione Vaya a to enter the Benefits Marketplace.
- Seleccione Current Benefits under the Benefits dropdown on the left.
- Choose download, email or print and save the statement for your records.
¿Están al día sus beneficiarios?
Un beneficiario recibe sus prestaciones si usted fallece. La inscripción abierta es un buen momento para asegurarse de que sus beneficiarios están al día.
Seguro de vida: Visite SmartSource vaya a su perfil y seleccione Mis beneficiarios
Jubilación: Iniciar sesión Transamerica y seleccione Ver detalles > Mi plan > Beneficiarios
Enrollment Support
Onsite Support
Representatives from Employer Health Programs (EHP) will be onsite to answer questions, help you understand your medical plan options and choose the right plan.
Decision Support
ALEX, su asesor de prestaciones en línea, puede ofrecerle recomendaciones personalizadas para ayudarle a tomar decisiones seguras e informadas.
Employer Health Programs (EHP) Overview
Watch a short video to learn about your EHP medical plan options.