Many employers are already in or about to begin their annual open enrollment period for employee benefits. This is the key time of year to review your options and make sure your choices for 2026 align with your family’s needs and your overall financial plan.
Navigating the various options can be complex, and making the right decisions can have a significant impact on your financial well-being. I encourage you to carefully review all the materials your employer provides, paying special attention to:
- Health Insurance: Are you in the right plan (e.g., PPO, HMO, HDHP) for your family’s anticipated medical needs? Have the premiums, deductibles, or provider networks changed?
- Tax-Advantaged Health Accounts: Are you maximizing the benefits of your Health Savings Account (HSA), Flexible Spending Account (FSA), or Health Reimbursement Arrangement (HRA)? These are powerful tools to save on healthcare costs.
- Life & Disability Insurance: Is the group coverage offered by your employer sufficient to protect your family? We can evaluate if a supplemental policy might be a good fit for your situation.
- Other Benefits: Be sure to review other valuable benefits, including retirement plan contribution levels, legal services, and commuter benefits.
I am here to help you consider these critical decisions and understand how they fit into your broader financial picture.
If you would like to discuss your specific situation, please feel free to schedule a complimentary 30-minute meeting with us using the link below.
