STACKED WITH GOODNESS

2026 Annual Enrollment is almost here—and it’s stacked with support resources to help you understand your coverage options, compare costs, and make confident choices for the year ahead.

This is a passive enrollment. That means your year-end 2025 coverage elections will carry over to 2026—at the coverage option’s 2026 cost—unless you make changes. Note that if you’re first eligible in 2026, you’ll need to make elections during Annual Enrollment if you want coverage next year. One exception: Your 2025 Health Savings Account (HSA) or Health Care Flexible Spending Account (Health Care FSA) contribution election will reset to $0 on January 1, 2026. So, if you want to contribute next year to your FSA or you want to contribute to your HSA starting in January, you’ll need to make your 2026 contribution election during Annual Enrollment. See below for how HSA and FSA contribution limits are increasing for 2026, which means you’ll be able to contribute more to these accounts next year.

Decide what's right for you

Get tips for reviewing your coverage options, comparing costs, and making choices that fit your coverage needs for 2026.

Before you do though, review what will be NEW for 2026 below.

How to enroll

Beginning October 22, you’ll be able to compare your 2026 coverage options and costs on MyBenefits Online before you make your elections. If you have questions, use Sofia (your virtual benefits assistant on MyBenefits Online), or call the Mondelēz International Benefits Center at 1-800-887-8807 (Option 1 – Benefits; Option 1 – Health & Welfare Benefits). During 2026 Annual Enrollment, representatives will be available Monday through Friday, 7:00 a.m. to 7:00 p.m. (Central Time) to answer your enrollment-related questions.

Find out how to register and use MyBenefits Online, Sofia, and the MyChoice Benefits app (a mobile version of your MyBenefits Online account) now.

Just don’t forget—Annual Enrollment runs from October 22 to November 7, 2025.

What's new for 2026

HEALTH

MEDICAL AND PRESCRIPTION DRUG COVERAGE CHANGES

As health care costs continue to rise, the Company needs to take additional steps for 2026 to ensure that the Mondelēz Global Medical Plan (Medical Plan) remains sustainable. As a result, the Company will share a portion of these higher costs through certain Medical Plan changes for next year.

Increased Medical Deductibles: Deductibles will increase under two of the Medical Plan’s coverage options. In addition, the names of these options will change as follows:
- $500 Deductible option → $750 Deductible option
- $2,000 Deductible option → $2,250 Deductible option

So, for in-network services, the individual deductibles for Employee Only coverage will increase by $250 for each of these options. If you cover any other family members and receive in-network services, the family deductible for these coverage options will increase by $500. Deductible amounts under the $3,500 Deductible coverage option will remain the same for 2026.
See a snapshot of the deductible changes for 2026 >>
Increased Out-of-Pocket Maximums: Similar to the above, the Company will share the impact of higher health care costs by increasing out-of-pocket maximums for the same two coverage options (so for in-network services a $250 increase to the individual out-of-pocket maximum for Employee Only coverage; and a $500 increase to the family out-of-pocket maximum if you cover any other family members). Out-of-pocket maximums under the $3,500 Deductible coverage option will remain the same for 2026.
See a snapshot of the out-of-pocket maximum changes for 2026 >>
Changes to Prescription Drug (Rx) Coverage:
- If You Elect the $750 Deductible Option for 2026: You’ll need to meet your deductible before the Medical Plan pays benefits for covered prescriptions—just like you do for other covered medical services. This change will align with how Rx coverage works across all three of the Medical Plan’s options.
- Increased Copays and Min/Max Coinsurance Limits: These Rx provisions have remained the same since 2018. For 2026, however, copays and min/max coinsurance limits will increase under all three medical coverage options.
See a snapshot of the changes for 2026 >>

And, for more details about how the Medical Plan and Rx coverages work, see the Medical and Prescription Drug pages.

GLP-1 CHANGES

GLP-1s No Longer Covered as Preventive: GLP-1s will still be covered by the Medical Plan. But, with this change, GLP-1s will be charged like other medications that are used to treat medical conditions.
Remember: If you’re prescribed an anti-obesity medication (AOM), including GLP-1s for weight-loss management, you’ll need to enroll in and engage with Vida Health before your AOM (or GLP-1) will be eligible for prescription drug benefits. Vida Health is one of the Specialty Medical Solutions available if you’re enrolled in an Aetna, BCBS, or Cigna coverage option under the Medical Plan. Learn more about Vida Health and keep this in mind as you’re making your 2026 coverage elections.

Learn more about Vida Health >>

Money

HSA CONTRIBUTION LIMIT INCREASES

For 2026, if you elect the $2,250 or $3,500 Deductible option and are eligible to contribute to an HSA, you’ll be able to save more to your HSA on a before-tax basis. For 2026, the IRS will raise the annual HSA contribution limits to:
- $4,400 (if you elect medical coverage for yourself only)
- $8,750 (if you enroll at least one other family member for medical coverage)
Plus, you’ll be able to contribute an additional $1,000 “catch-up” contribution if you’ll be age 55 or older in 2026. Remember, any amounts you (or the Company, if you’re eligible for HSA matching contributions) contribute to your HSA in 2026 will apply to these limits.
Learn more about the HSA >>

HEALTH CARE FSA CONTRIBUTION LIMIT INCREASE

Other things to know

COST INCREASES

Medical Coverage: As in years past, year-over-year cost increases will be shared by the Company and employees. Even though MDLZ will continue to pay most of the cost for your medical coverage, contribution rates will increase for 2026 to reflect the overall market and increased health care costs across the country. Beginning October 22, be sure to look closely at your 2026 costs on MyBenefits Online. Use the comprehensive cost information, including the comparison tools, to help you decide which coverage will work best for you and your family for 2026. By using MyBenefits Online's tools, you may discover an opportunity to switch coverage options and/or networks for 2026 to better manage your coverage costs.

Remember, 2026 Annual Enrollment is passive. So, if you don’t take action and you’re currently enrolled for coverage under the Medical Plan, your current coverage will carry over to 2026 at the 2026 cost. Be sure to look closely at how the cost increase will impact you so that you can make any necessary changes by November 7, 2025.
Log in to MyBenefits Online beginning October 22 >>

	2025	NEW for 2026
When the Medical Plan Begins to Pay:	$500 Deductible: Immediately $2,000 and $3,500 Deductible: After you satisfy your deductible	All Coverage Options: After you satisfy your deductible
Retail Pharmacy (up to a 30-day supply)
Non-Preventive Drugs	You Pay	You Pay
Generic Drugs	$10 copay	$15 copay
Preferred Brand Drugs	30% (after $25 min/$75 max copay)	30% (after $35 min/$85 max copay)
Non-Preferred Brand Drugs	40% (after $50 min/$100 max copay)	40% (after $60 min/$110 max copay)
Mail Order or CVS Retail Pharmacy (up to a 90-day supply)
Non-Preventive Drugs	You Pay	You Pay
Generic Drugs	$25 copay	$37.50 copay
Preferred Brand Drugs	30% (after $62.50 min/$187.50 max copay)	30% (after $87.50 min/$212.50 max copay)
Non-Preferred Brand Drugs	40% (after $125 min/$250 max copay)	40% (after $150 min/$275 max copay)
Note: Out-of-network prescription drug services aren’t covered

	2025		NEW for 2026
Out-of-Pocket Maximums*	$500 Deductible Option		$750 Deductible Option
Out-of-Pocket Maximums*	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$3,000	$6,000	$3,250	$6,500
Family	$6,000	$12,000	$6,500	$13,000
* Includes deductible

	2025		NEW for 2026
Out-of-Pocket Maximums*	$2,000 Deductible Option		$2,250 Deductible Option
Out-of-Pocket Maximums*	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$4,000	$8,000	$4,250	$8,500
Family	$8,000	$16,000	$8,500	$17,000
* Includes deductible

	2025		SAME for 2026
Out-of-Pocket Maximums*	$3,500 Deductible Option		$3,500 Deductible Option
Out-of-Pocket Maximums*	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$7,000	$14,000	$7,000	$14,000
Family	$14,000	$28,000	$14,000	$28,000
* Includes deductible

	2025		NEW for 2026
Deductibles	$500 Deductible Option		$750 Deductible Option
Deductibles	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$500	$1,000	$750	$1,500
Family	$1,000	$2,000	$1,500	$3,000

STACKED WITH GOODNESS

Decide what's right for you

How to enroll

What's new for 2026

HEALTH

Money

Other things to know

SNAPSHOT - HOW PRESCRIPTION DRUG COPAYS AND MIN/MAX COINSURANCE LIMITS WILL CHANGE

SNAPSHOT – HOW OUT-OF-POCKET MAXIMUMS WILL CHANGE

SNAPSHOT – HOW DEDUCTIBLES WILL CHANGE