2026 Level Funded portfolio launch, effective January 1

This launch adds benefits, expands networks, updates pharmacy and offers specialty savings.

Aug. 14, 2025

The 2026 Level Funded portfolio introduces several key updates effective Jan. 1, 2026, case-effective dates with quoting available Sept. 1, 2025. Enhancements include expanded preventive benefits, network growth, product and pharmacy changes, and new specialty plan savings opportunities.

Benefit updates for the Level Funded plans

Expanded Mammography and Colonoscopy Benefits
- Applies to new business or funding conversion with case-effective dates on or after Jan. 1, 2026
- Applies upon renewal starting with Jan. 1, 2026, renewals and after
Cellular or Gene Therapy
- Must be received through (1) a Center of Excellence, and (2) Network Designated dispensing entity
- Applies to new business or funding conversion with case-effective dates on or after Jan. 1, 2026
- Applies at renewal starting with Jan. 1, 2026, renewals and after
Hearing Aid Benefit
- Over-the-Counter Hearing Aid benefit being discontinued for all Level Funded plans upon renewal starting with Jan. 1, 2026, renewals and after
Level Funded Dental and Vision available for 2–50 new business only with case effective dates on or after Jan. 1, 2026

Network expansions effective Jan. 1, 2026 (UnitedHealthcare Level Funded only)

Colorado Doctors Plan adds 3 counties: Clear Creek, Gilpin and Park
Navigate network available in Oklahoma
Neighborhood Health Partnership (NHP) available in Florida

Product/Network changes

Pharmacy Network change

UnitedHealthcare Level Funded plans currently utilizing the Standard Select pharmacy network will be required to move to Broad pharmacy network upon renewal starting with Jan. 1, 2026, renewals and after

Oxford Level Funded in Connecticut

Migrating from Oxford Level Funded to UnitedHealthcare Level Funded, to enable pairing with Surest Level Funded

HSA plans (UHC Level Funded only)

2026 IRS minimum deductible increases impact new and renewing business or funding conversations with a case effective date on or after Jan. 1, 2026, and upon renewal starting with Jan. 1, 2026, renewals and after.

Specialty update

Activate the savings for Small Business

For a limited time, 2–50* groups have an opportunity to earn a one-time credit up to $5,000 by adding a Dental plan and an additional specialty line. Available now through January 2026.

Eligible specialty lines include Vision, Basic Life, Short-term Disability and Long-term Disability.

Ongoing savings opportunities

Packaged Savings for 2–50 groups**
uBundle for 51+ groups

*Available 5-100 eligible in CA & CO. Not available in NJ, NV or WA.

**Only available with fully insured specialty products.

Minimize Proposal Output

To help streamline quoting and improve efficiency, review the step-by-step guide below to showcase strategic options for your customers. Reducing the proposal output may help save time, reduce unnecessary pages, and ensure a cleaner proposal focused on the plans and options your group needs.

UnitedHealthcare Level Funded proposal output flier

Oxford Level Funded proposal output flier

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Disclaimers

Not for Consumer Use

UHC & Surest Level Funded:
Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.

Oxford Level Funded:
Administrative services provided by Oxford Health Plans LLC. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.

UnitedHealthcare Life and Disability products are provided by UnitedHealthcare Insurance Company and certain products in California by Unimerica Life Insurance Company. Life and Disability products are provided on policy forms LASD-POL (05/03) et al. and UHCLD-POL 2/2008 et al., in Texas on forms LASD-POL-TX (05/03) and UHCLD-POL 2/2008-TX and in Virginia on LASD-POL (05/03) and UHCLD-POL 2/2008. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT and Unimerica Life Insurance Company is located in Milwaukee, WI. Minimum participation requirements may apply. Packaged Savings program is not available for all group sizes. Please consult your UnitedHealthcare representative for more details.

Dental and Vision coverage is underwritten by UnitedHealthcare Insurance Company, located in Hartford, Connecticut; in New York, UnitedHealthcare Insurance Company of New York, located in Islandia, New York; in Kentucky, for dental, UnitedHealthcare of Kentucky, Ltd.; or their affiliates. Dental administrative services provided by Dental Benefit Providers, Inc., Dental Benefit Administrative Services (CA only), DBP Services (NY only), United HealthCare Services, Inc., or their affiliates. Vision administrative services provided by Spectera, Inc., United HealthCare Services, Inc., or their affiliates.