Added: Lesley Monday - Date: 05.01.2022 08:39 - Views: 31081 - Clicks: 7268
Open enrollment season is right around the corner. Now is the perfect time to reexamine your health care coverage before ing up for benefits. By reviewing your benefits options now, you may be able to reduce your health care costs next year. Consider your health needs and estimate the current and future costs of your existing health care conditions. This information will help you evaluate whether a high- or low-deductible plan is better for you based on your budget and medical needs.
Ensure plan premiums, deductibles and copayments fit your budget. Reassess coverage if you plan to have a baby or if your adult children are turning 26 After this age, adult children are commonly no longer eligible for coverage under their parents' insurance.
If you're married, it's a good idea to compare your health plan with that of your spouse. Consider opening a pre-tax health savings HSA through your employer for a tax-advantaged way to help offset out-of-pocket medical costs. An HSA, which requires enrollment in a high-deductible health plan HDHPenables you to use pre-tax money to cover eligible health expenses.
HSA funds that aren't spent in the calendar year can be rolled over each year. Additionally, you may lose your FSA dollars if you leave the company. Check with your employer for details on their rules Roy with benefits please FSA rollovers.
Need some guidance considering your open enrollment and health plan choices? We can help you determine how to balance benefits, supplemental coverage needs and savings options with your overall financial and health planning goals.
Open enrollment is also a great time to discuss with us other employer benefits — such as disability coverage, life insurance protection, or k options. View more insights. Paul Roy may only conduct securities business with residents of states in which they are properly registered.
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Health insurance checklist: How to choose. Key Points Open enrollment offers a once-a-year opportunity to reevaluate your health care plan. Proactive planning and saving strategies can help safeguard your assets from medical expenses. Pre-tax savings s can help pay for out-of-pocket expenses while lowering your overall taxes.
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