Quick start guide for 2026
Here’s what to know for 2026 benefits enrollment
Get to know t-mobilebenefits.com!
For 2026 Open Enrollment and for year-round benefit changes, you'll make your choices through t-mobilebenefits.com. In addition to benefits enrollment, you can also find plan details and on-demand resources including Sofia, an AI Benefits Assistant, and the MyChoice benefits app.
Before you can enroll for 2026 benefits, you’ll need to register on our benefits site.
Enrollment dates
- November 19 – December 31, 2025 is your once-a-year opportunity to enroll in T-Mobile benefits. After December 31, 2025, you cannot enroll or make changes to your 2026 benefits until the next Open Enrollment, unless you experience a qualified life event (i.e., getting married, having a baby).
- To ensure coverage is active on January 1, 2026, and to avoid retroactive deductions, make your elections by December 19, 2025.
- If you don’t take action, you will lose coverage for 2026.
- Your elections will take effect January 1, 2026.
Adding dependents
- You can add eligible dependents to your coverage including a spouse, a domestic partner (of any gender), a dependent child under the age of 26 (biological, adopted, stepchild, child of a domestic partner, a child for whom you're a legal guardian), or a child over age 26 if they are disabled and qualify for coverage.
- All enrolled dependents will go through a required dependent verification process during enrollment to determine eligibility for coverage. As you go through the enrollment process, you will be able to upload documentation to verify your dependents. Learn more about the dependent verification process and what you should have in hand as you enroll.
To enroll a child with disabilities over the age of 26, please contact the Benefit Center at (855) 866-2367 to be manually enrolled. In addition to the standard Dependent Verification requirements outlined here, you will also need to complete a medical questionnaire with your chosen medical carrier. They will review your medical documentation to verify your dependent meets the requirements for coverage under T-Mobile’s plan.
New benefits coming later this year!
Earned Wage Access pay benefit
Rain offers a financial wellness benefit called Earned Wage Access, giving all T-Mobile employees access to up to 50% of their earned wages before payday. This flexible benefit helps reduce financial stress, avoid high-interest loans, and provide peace of mind by offering quick, secure access to wages you’ve already earned—right when you need it.
Pay your student loans, grow your 401(k)
For 2026 we’re introducing a 401(k) Student Loan Matching benefit that lets your student loan payments count toward receiving the maximum employer 401(k) match available to you. Administered by Fidelity, once you enroll this new program helps you save for retirement while paying down student debt.
Be on the lookout for more details later this year. Click here to check out some early FAQs.
GLP-1 copay increase
T-Mobile’s medical plans continue to provide coverage for certain GLP-1 prescription drugs to treat obesity into 2026. Enrollees who use these medications for obesity will see an increase in their copay* (or out of pocket costs for those enrolled in the High Deductible Health Plan with Health Savings Account). You can view these new rates on the CVS Caremark T-Mobile Open Enrollment site.
*Enrollees who use GLP-1 medications for diabetes will not have an increase in their copay.
Increased fertility treatment benefit
Starting in 2026, the lifetime benefit will increase from two to three Smart Cycles of treatment per family, providing you with even more opportunities to pursue your family-building goals. T-Mobile is proud to partner with Progyny to offer fertility treatment options for employees and their eligible family members (spouses and domestic partners) who are looking to build or grow their families. Progyny’s fertility specialists are committed to achieving the best clinical outcomes and creating personalized treatment plans that meet your unique needs. Progyny’s Smart Cycle program bundles all individual services, tests, and treatments into a comprehensive package, ensuring you have everything you need for thorough fertility care and peace of mind throughout the process.
Coming later this year!
New Earned Wage Access pay benefit!
Rain offers a financial wellness benefit called Earned Wage Access, giving all T-Mobile employees access to up to 50% of their earned wages before payday. This flexible benefit helps reduce financial stress, avoid high-interest loans, and provide peace of mind by offering quick, secure access to wages you’ve already earned—right when you need it.
Be on the lookout for more details later this year.
Pay Your Student Loans, Grow Your 401(k)
For 2026 we’re introducing a 401k Student Loan Matching benefit that lets your student loan payments count toward receiving the maximum employer 401k match available to you.
Administered by Fidelity, once you enroll this new program helps you save for retirement while paying down student debt. Be on the lookout for more details and FAQs later this year.
GLP-1 copay increase
T-Mobile’s medical plans continue to provide coverage for certain GLP-1 prescription drugs to treat obesity into 2026. Enrollees who use these medications for obesity will see an increase in their copay* (or out of pocket costs for those enrolled in the High Deductible Health Plan with Health Savings Account). To view the new rates, visit t-mobilebenefits.com.
*Enrollees who use GLP-1 medications for diabetes will not have an increase in their copay.
Increased fertility treatment benefit
T-Mobile is proud to partner with Progyny to offer fertility treatment options for employees and their eligible family members (spouses and domestic partners) who are looking to build or grow their families. Progyny’s fertility specialists are committed to achieving the best clinical outcomes and creating personalized treatment plans that meet your unique needs. Progyny’s Smart Cycle program bundles all individual services, tests, and treatments into a comprehensive package, ensuring you have everything you need for thorough fertility care and peace of mind throughout the process.
Starting in 2026, the lifetime benefit will increase from two to three Smart Cycles of treatment per family.
Discover all the benefits to support you and your family.
Coming Later this Year! New Earned Wage Access pay benefit
Rain offers a financial wellness benefit called Earned Wage Access, giving all T-Mobile employees access to up to 50% of their earned wages before payday. This flexible benefit helps reduce financial stress, avoid high-interest loans, and provide peace of mind by offering quick, secure access to wages you’ve already earned—right when you need it.
Learn more about Rain.
Additional tax savings
Dependent Care Flexible Spending Account (DCFSA) increase
The annual Dependent Care Flexible Spending Account (DCFSA) maximum will be increasing to $7,500 for 2026.
Pretax Commuter Program
In 2026, T-Mobile will offer the pretax commuter program for all benefits-eligible employees nationwide. This program allows you to set aside money on a pretax basis to cover IRS-qualified transportation expenses, thereby reducing your taxable income.