Benefits Open Enrollment ’26

Open Enrollment (OE) is your opportunity to update your WinCo benefits without a life event. If you have no changes – and do not want a Flexible Spending Account – you do not need to take action.

OE benefit elections are effective January 1, 2026; health insurance start date is subject to meeting the hours (eligibility) requirement.

The Benefits Team confirms receipt of your application with an e-mail sent to your personal e-mail address.

If you do not receive a response e-mail from Benefits within three business days, please e-mail benefits@wincofoods.com to check the status of your application (prior to the November 30 deadline).

Video: Flexible Spending Account
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Open Enrollment packet materials will be posted here prior to November 1, 2025.  Check back then for your Open Enrollment Newsletter; 2026 Benefits Guide; Important Notices and more!

• 2026 Open Enrollment Newsletter
• 2026 Annual Required Notices – Includes MEDICARE PART D NOTICE and other very important notices!
• Summary Annual Report – Another required notice.
• 2026 Summary of Benefits and Coverage
• 2026 Summary of Benefits and Coverage – en español
• 2025/2026 Summary of Material Modifications (SPD language changes)

Applications will be available right here starting November 1, 2025.

Open Enrollment Health Insurance Application for 2026 Benefits

Open Enrollment Voluntary Benefits and Flex Spending (FSA) Application for 2026 Benefits

Life Insurance Beneficiary Form

To enroll in (or change) health insurance coverage:

1. 1. Starting November 1, access the Open Enrollment Health Insurance application in the applications section (above.) If you already have health insurance coverage and do NOT wish to make changes, you do NOT need to fill out a new form.
   2. Complete the application.
      • To enroll dependents, attach required photocopies (not originals) of proof documents (see application)
      • Applications missing required proof documents are INCOMPLETE; a notice explaining the incomplete status will be mailed.  If the completed application with all required proof documents is not returned by the deadline, no coverage will take effect
   3. Do you have a family member that works for WinCo?  If not, SKIP and go to #4.
      • If yes, you have the option to separate coverage if you are already covered or you can combine/transfer coverage with an eligible family member under the health insurance plan (legal spouse, dependent child under 26). Starting November 1, click here for the Transfer/Combine or Separate Coverage Form
      • WinCo’s plan does not double cover anyone covered by another WinCo employee. For example, two employees cannot cover the same child on 2 separate policies. For questions about this, contact Benefits
   4. Turn in your complete, signed application and required proof documents by fax or U.S. Mail (postmarked no later than November 30 – no exceptions).  Applications CANNOT be accepted by email; deadline for enrollment is November 30.
   5. For new coverage, after your application and documentation is processed, you will receive a letter in mid-January after your benefit eligibility is verified and your benefits start.

Your Summary Plan Description, which details Plan benefits, is available for review on the Plan Documents tab of this website.

ID cards will be mailed approximately 2 weeks after you receive your new coverage letter; schedule appointments accordingly.

To enroll in flexible spending (health care and/or dependent care) and/or voluntary benefits:

• 1. Starting November 1, print off the voluntary benefits application if you wish to elect either Flexible Spending (FSA) or other voluntary benefits.
  2. Fill out the application, sign (required), and fax or mail in the application (not the instruction/rate pages).
     • For flex, complete the employee information & flex spending section.
     • To sign up or to cancel voluntary benefits, complete the employee information and the voluntary benefits section.
  3. Applications CANNOT be accepted by email; deadline for enrollment is November 30.

Voluntary Commuter benefits will be available to all WinCo employees beginning January 1. To elect Commuter benefits for any given month, the election must occur prior to the 10th of the preceding month (example: for January commuter benefits, election must be made prior to December 10.) Locations that are not currently able to elect will be enable as of December 1.  For more information, please review the Commuter flyer on the Voluntary benefits tab.

Looking for more voluntary benefit information, including Commuter benefits? Click here to jump over to the Voluntary Benefits tab, then scroll to the bottom for comprehensive information. Also, please review the OE Voluntary Benefits application for more details!