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Open enrollment checklist

Once a year you can change plans. A half hour of checking can save hundreds of dollars.

Job-based plans

Employers set their own open enrollment, usually in October or November. Check with HR for your dates.

  1. Compare your options by yearly cost

    Upload each plan’s Summary of Benefits and Coverage, or type in the numbers, and see premiums plus expected costs side by side.

    Compare plans

  2. Check your doctors and drugs on each plan

    Employers often switch insurers or networks. Ask HR for each plan’s provider directory and drug list.

    Check a doctor

  3. Decide on an HSA or FSA

    An HSA (with an HSA-eligible plan) rolls over every year. A health FSA mostly doesn’t: plan to spend it, minus any carryover your employer allows.

  4. Spend leftover FSA money before the deadline

    Check your employer’s grace period or carryover rules, and what counts as eligible.

    See what’s HSA and FSA eligible

Remind me before the deadline