Retiree Option Change Period

Welcome to the State Health Benefit Plan’s (SHBP) 2025 Retiree Option Change Period (ROCP) for the 2026 Plan Year. ROCP gives our members the opportunity to review current Plan Options and make changes to coverage based on needs.*

This year's ROCP will continue to include in-person meetings in addition to virtual meetings (either online or by phone) to discuss Plan Options for the 2026 Plan Year. See below for information, including schedules for each type of ROCP meeting and instructions on how to join by phone or online. 

*During the ROCP, enrolled Retirees shall be given an opportunity to change their Plan Option to any Plan Option for which the Retiree is eligible. Retirees cannot change their Tier (i.e., add dependents) during the ROCP.

Retiree Decision Guide

The Download this pdf file. Retiree Decision Guide for Plan Year 2026  provides information on new identification cards, ROCP responsibilities, how to make an election, benefits comparison charts, and more.

Make your election

  • SHBP Enrollment Portal 24 Hours a Day/7 Days a Week
  • SHBP Member Services Extended Hours for Open Enrollment and ROCP: Monday – Friday 8:30 a.m. to 7:30 p.m. ET (normally to 5:00 p.m. ET) and Saturday 8:30 a.m. to 5:00 p.m. ET

Attend an educational session - what's new for 2026?

This year's ROCP will include in-person meetings in addition to the virtual meetings (either online or by phone). To RSVP for an in-person meeting, call 844-823-5455 to reserve your spot. RSVP hours are 8 a.m.- 6 p.m. local time, Monday to Friday, and the lines will be available during the ROCP period.

Select this link for schedules and instructions on how to attend an educational session.

Additional Information

What if I do not take any action?

ADP Mobile QR Code

ADP Mobile App

Review and manage benefits elections and information on the go with the ADP Mobile App!

ADP Mobile App

If SHBP does not receive an election from you through the website, or by contacting SHBP Member Services, you have made a decision to take the default coverage below:

  • Currently Enrolled in a SHBP Medicare Advantage Plan Option in 2025: If you are enrolled in a Medicare Advantage with Prescription Drugs Preferred Provider Organization Plan Option in 2025, you will remain in the same MA plan option in which you were enrolled in 2025. If you do not want to remain in the same plan, you will need to select from the other available MA plan options for 2026.
  • Currently Enrolled in a SHBP Commercial (non-Medicare Advantage) Plan Option in 2025: If you are enrolled in a Commercial (non-Medicare Advantage Plan) Option in 2025, you will remain in your current Plan Option and Tier with your current Medical Claims Administrator in 2026.
  • Currently Enrolled in TRICARE Supplement in 2025: If you are enrolled in the TRICARE Supplement in 2025, you will remain enrolled in the TRICARE Supplement for 2026.

NOTE: If you paid a Tobacco Surcharge in 2025, it will continue to apply. If you did not pay a Tobacco Surcharge in 2025, you will not pay one if you default coverage. However, if you received a waiver of the tobacco surcharge and your tobacco status has changed, it is your responsibility to notify SHBP immediately.

The Tobacco Surcharge does not apply to Medicare Advantage members.