Learn what’s new for 2026
Find out about changes and updates.
Learn what’s new for 2026
Find out about changes and updates.
Here are some changes you can expect in 2026.
As we strive to minimize annual cost increases for employees, we must also address the continually rising cost of health care and prescription drugs for our organizations. Below is a summary of the 2026 plan design changes:
Non-HDHP Plans
| Choice POSII (CPII) & Traditional Choice (TC) plans: | Current | 2026 |
|---|---|---|
| Individual Deductible (in-network) | $600 | $700 |
| Family Deductible (in-network) | $1,800 | $2,100 |
| Individual Out of Pocket (OOP) Max (in-network) | $5,000 | $6,000 |
| Family Out of Pocket (OOP) Max (in-network) | $10,000 | $12,000 |
| Choice POSII (CPII) Plan only: | Current | 2026 |
| Individual Deductible (out-of-network) | $1,800 | $2,100 |
| Family Deductible (out-of-network) | $5,400 | $6,300 |
| Individual Out of Pocket (OOP) Max (out-of-network) | $10,000 | $12,000 |
| Family Out of Pocket (OOP) Max (out-of-network) | $20,000 | $24,000 |
| Primary Care (PCP) & Specialist Office Visit Copay | $40 / $60 | $45 / $70 |
High Deductible Health Plans (HDHPs)
| HDHP CPII & HDHP TC (including Aetna International) Plans: | Current | 2026 |
|---|---|---|
| Individual Deductible (in-network) | $1,650 | $2,000 |
| Family Deductible (in-network) | $4,500 | $6,000 |
| Individual Out of Pocket (OOP) Max (in-network) | $6,000 | $7,000 |
| Family Out of Pocket (OOP) Max (in-network) | $12,000 | $14,000 |
| Coinsurance (in-network) | 75% | 70% |
| Choice POSII (CPII) HDHP Plan only: | Current | 2026 |
| Individual Deductible (out-of-network) | $4,950 | $6,000 |
| Family Deductible (in network) | $9,000 | $12,000 |
| Individual Out of Pocket (OOP) Max (out-of-network) | $12,000 | $14,000 |
| Family Out of Pocket (OOP) Max (out-of-network) | $16,000 | $18,500 |
To view the 2026 Summary of Benefits for your plan, go to Explore benefits ⇾ Medical and dental plans and choose the plan you’d like to view. Plan documents are located under Resources and Forms.
Discover the tools and resources to help you make the most of your benefits.
As part of our mission of “Taking care of you,” we worked closely with Aetna®, our plan administrator, to give your DoD NAF Health Benefits Program website a refreshing new look. All the helpful information you need is still here, organized in new easy-to-use modules, with categories based on what you need to do on the site at different points in the year.
- Explore benefits: Visit anytime to find details on medical and dental plans, Flexible Spending Accounts and additional benefits.
- Compare plans & enroll: Use online tools and tips to choose what works for you.
- Benefits 101: Read about Aetna.com, mobile apps and where to go for care.
- Wellness & rewards: Learn how to use your benefits to take healthy actions in 2026.
- News & resources: Find premiums rates, upcoming events, medical forms and more.
- NAF Employers and NAF Retirees: Visit your page to find resources just for you.
NAF employees — U.S.
Changes to your coverage
The average premium cost of your annual medical coverage for 2026 is almost $15,400 per NAF employee. It’s important for you to know that your NAF employer pays 70% of this cost, or $10,769. As a NAF employee, you pay 30%, or $4,615 in premiums. While we work hard to minimize cost increases for employees year to year, we must also manage the ever-increasing cost of health care and prescription drugs to our organization. Changes include:
- Aetna Choice POS II and Traditional Choice: Plan deductibles and out-of-pocket maximums are increasing. Primary Care (PCP) and Specialist copays for Choice POS II plan are increasing from $40/$60 to $45/$70. Learn more.
- High Deductible Health Plans (HDHP): Plan deductibles and out-of-pocket maximums are increasing. Your cost share after deductible (coinsurance) in-network is increasing from 25% to 30%. Learn more.
Programs continuing in 2026
- Aetna Back and Joint Care: Personalized digital exercise therapy, in partnership with Hinge Health, for anyone living with muscle and joint pain
- CVS Weight Management: Support, resources and tools to help you achieve lasting results when you’re prescribed a weight loss medication
- Hello Heart: No-cost app and free smart blood pressure monitor to manage your heart health and get real-time tips
NAF employees — Overseas
Changes to your coverage
The average premium cost of your annual medical coverage for 2026 is almost $15,400 per NAF employee. It’s important for you to know that your NAF employer pays 70% of this cost, or $10,769. As a NAF employee, you pay 30%, or $4,615 in premiums. While we work hard to minimize cost increases for employees year to year, we must also manage the ever-increasing cost of health care and prescription drugs to our organization. Changes include:
High Deductible Health Plan (HDHP): Plan deductibles and out-of-pocket maximums are increasing. Your cost share after deductible (coinsurance) in-network is increasing from 25% to 30%. Learn more.
Pre-65 retirees
Changes to your coverage
The average premium cost of your annual medical coverage for 2026 is almost $15,400 per NAF employee. It’s important for you to know that your NAF employer pays 70% of this cost, or $10,769. As a NAF employee, you pay 30%, or $4,615 in premiums. While we work hard to minimize cost increases for employees year to year, we must also manage the ever-increasing cost of health care and prescription drugs to our organization. Changes include:
- Aetna Choice POS II and Traditional Choice: Plan deductibles and out-of-pocket maximums are increasing. Primary Care (PCP) and Specialist copays for Choice POS II plan are increasing from $40/$60 to $45/$70. Learn more.
- High Deductible Health Plans (HDHP): Plan deductibles and out-of-pocket maximums are increasing. Your cost share after deductible (coinsurance) in-network is increasing from 25% to 30%. Learn more.
Programs continuing in 2026
- Aetna Back and Joint Care: Personalized digital exercise therapy, in partnership with Hinge Health, for anyone living with muscle and joint pain
- CVS Weight Management: Support, resources and tools to help you achieve lasting results when you’re prescribed a weight loss medication
- Hello Heart: No-cost app and free smart blood pressure monitor to manage your heart health and get real-time tips
If you or your spouse will turn 65 this year
When you turn 65, if you meet all other eligibility criteria, you’re automatically enrolled in the Aetna Medicare Advantage with Prescription Drug (MAPD) Plan by your former NAF employer.* This coverage will continue into 2026 for you and/or your MAPD-eligible covered dependents unless you enroll in another Medicare plan or withdraw from the Aetna DoD NAF MAPD plan. Learn more about automatic enrollment and disenrollment in the tab for ages 65 and over.
*Overseas retirees are not eligible for the Aetna MAPD plan. Visit the Aetna International page for information about your plan options.
Post-65 retirees
Aetna Medicare Advantage with Prescription Drug (MAPD) Plan
If you’re age 65 or older and you meet all other eligibility criteria, you’re automatically enrolled* in the Aetna® Medicare Advantage with Prescription Drug (MAPD) Plan by your former NAF employer. This coverage will continue into 2025 for you and/or your MAPD-eligible covered dependents unless you enroll in another Medicare plan or withdraw from the Aetna DoD NAF MAPD plan. Learn more about automatic enrollment and disenrollment.
MAPD plan information for 2026
As the result of the Inflation Reduction Act, those with a Medicare Advantage with Prescription Drug (MAPD) Plan will pay no more than $2,100 in true out-of-pocket costs for covered prescription drugs in 2026.
These costs will include only covered Part D drugs and will accumulate based on what the member pays plus what the plan pays. Drug manufacturers will be required to provide discounts in place of the coverage gap phase, but these costs won’t count toward your out-of-pocket total.
You’ll receive an Annual Notice of Change (ANOC) in the mail, which will describe these changes in more detail.
*Overseas retirees are not eligible for the Aetna MAPD plan. Visit the Aetna International page for information about your plan options.
Additional benefits for employees and pre-65 retirees in the U.S.
Your no-cost digital heart-health hub
The Hello Heart app lets you easily manage your heart health with the resources and readings you need, all in one place. This no-cost program includes:
- A free heart monitor that connects easily to your smartphone
- Secure online tracking of blood pressure, cholesterol test results, medicines and more
- Easy-to-follow explanations and reports of your numbers
- Doable tips to help keep your heart healthy
- A support team to answer your questions by phone or email
A weight-loss solution tailored to you
If you have a DoD NAF medical plan and are taking weight-loss medication, the CVS Weight Management program is here to help you achieve lasting results — at no extra cost to you. It offers:
- One-on-one support from a team, including registered dietitians
- A personalized nutrition plan
- Tips to help overcome barriers to weight loss
- Tools and resources to track your progress
- The Health Optimizer® app with helpful guides, recipes and more
Back and joint health benefits — at no cost to you
Musculoskeletal (MSK) issues are widespread and debilitating. They can cause a great deal of pain, reduce your quality of life and lead to lost time at work. Fortunately, there are ways to treat them that don’t always need surgery. Aetna Back and Joint Care, through a partnership with Hinge Health®, is an online exercise therapy program that provides all the tools you need to start your journey to pain relief in the comfort of your own home. It includes:
- A personalized 15-minute stretching and exercise program
- Virtual support from a physical therapist via text, email, phone or video chat
- Access to online exercises and stretches through the Hinge Health app
Visit your NAF page
Click on one of these tiles to find NAF-specific updates, contacts, enrollment information and more.
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