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IRS requires higher CDHP deductible for UNP in 2026
Summary
Presenter said the IRS requires a deductible change to the UNP CDHP for 2026 and provided the combined annual deductible amounts: $1,700 individual and $3,400 family for medical plus prescription coverage.
Presenter said the CDHP plan will be adjusted to meet an IRS requirement for 2026, affecting members enrolled in the high-deductible health plan with a health savings account option. The presentation positioned this as a compliance change rather than a voluntary benefit reduction.
The presenter specified the deductible amounts: "El deducible anual combinado para medicamentos médicos y recetados será de 1700 dólares para un individuo y 3400 dólares para una familia." Members on the CDHP should review the premium comparators and consider how the new deductible will affect their out-of-pocket costs for 2026.
