"It's that time of year again-when your inbox fills up with HR reminders and healthcare acronyms start flying. Open enrollment might not sound like the highlight of fall, but it's actually one of the most important windows for your financial life. Think of it as your once-a-year reset button: a chance to fine-tune benefits, capture savings, and align your choices with your long-term goals."
"If you ignore it? You risk leaving money on the table, missing tax breaks, or being underprotected when life throws curveballs. What's the Deal With Timing? ACA Marketplace Plans: Open enrollment for 2026 will run from November 1, 2025-January 15, 2026. Enroll by December 15 for coverage starting January 1; wait until January and you'll start February 1."
Open enrollment offers a yearly opportunity to adjust benefits, capture savings, and align selections with long-term financial goals. ACA marketplace enrollment for 2026 runs from November 1, 2025 to January 15, 2026, with December 15 deadlines for January 1 coverage. Employer-sponsored windows commonly open in October or November and typically allow 2–4 weeks to make elections. Benefit choices affect premiums, deductibles, out-of-pocket exposure, and tax strategy; consider HSAs, FSAs, and retirement contributions. Review provider networks, prescriptions, and whether a high-deductible HSA-compatible plan fits. Note 2025 HSA and FSA contribution limits and FSA use-it-or-lose-it rules.
Read at San Francisco Bay Times
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