b'2026 Open Enrollment CTPF Annuitant Health InsuranceChoosing a health insurance plan for you and your eligible dependents is one of your most important decisions. Chicago Teachers Pension Fund (CTPF) sponsors comprehensive plans designed to promote wellness and provide high-quality coverage at a reasonable cost. CTPF must be your final retirement system to be eligible for these plans. This Handbook is your resource for current information about the Chicago Teachers Pension Fund (CTPF) health insurance options, premiums, and changes to plans. Health Insurance Premium SubsidyThe Health Insurance Premium Subsidy is set annually by the Board of Trustees. The subsidy will remain at 60% in 2026. The subsidy is only available to eligible CTPF members. Dependent coverage is not eligible for the subsidy. Open Enrollment and Vendor Education | Register Today!The 2026 Open Enrollment Period for health insurance will run from October 1 - 31, 2025. During this period, annuitants can enroll, add, or drop a dependent, or change a health insurance plan or carrier. Changes become effective January 1, 2026.All plans offered in 2025 will be offered in 2026. You do not need to take any action to stay enrolled in your current plan.CTPF will offer a Non-Medicare webinar on Wednesday, October 1, 2025, at 1:00 p.m., with an option to dial in. There will also be an in-person seminar at the Hilton Oak Lawn on Tuesday, October 7, 2025, at 1:30 p.m. Vendors will be available at the in-person seminar and will offer webinars the week of October 6, 2025. Visit ctpf.org/calendar to register for webinars and call Member Services at 312-641-4464 for the in-person seminar. Seminar registration will open Wednesday, September 24, 2025. Webinars and presentation materials will be posted for on-demand viewing at ctpf.org/open-enrollment after the presentations. All webinars have a dial-in number for individuals without internet access. Please use this handbook for the Open Enrollment Webinar, Seminar, and for future reference.NON-MEDICARE PRESENTATIONSOpen Enrollment Webinar & Call | 1:00 p.m.Wednesday,Register at ctpf.org/calendar.October 1, 2025 Dial-in Option: Call 1-312-626-6799Meeting ID: 889 1093 8437Passcode: 252414 Open Enrollment In-Person Seminar | 1:30 p.m. Hilton Chicago/Oak LawnRegister for all CTPF Tuesday,9333 S. Cicero Ave., Oak Lawn, IL, 60453 Non-Medicare online October 7, 2025Registration is REQUIRED for the seminar. Registration will openevents atSeptember 24, 2025. Call Member Services at 312-641-4464 toctpf.org/calendarregister. Vendors will be available at the seminar and free parking is available.VENDOR EDUCATION Vendor Education | October 6 - 10, 2025 CTPF carriers will host information sessions for members who want to hear directly from health insurance plan vendors. For session dates, registration, and dial-in information visitctpf.org/calendar.2 CTPF 2026 NON-MEDICARE HEALTH INSURANCE HANDBOOK CTPF 2026 NON-MEDICARE HEALTH INSURANCE HANDBOOK'