{"id":22677,"date":"2026-10-06T20:01:34","date_gmt":"2026-10-06T20:01:34","guid":{"rendered":"https:\/\/www.del-one.org\/?p=22677"},"modified":"2026-10-06T20:01:34","modified_gmt":"2026-10-06T20:01:34","slug":"periodo-de-inscripcion-abierta-que-revisar-antes-de-elegir-sus-beneficios","status":"publish","type":"post","link":"https:\/\/www.del-one.org\/es\/media-room\/open-enrollment-what-to-review-before-you-choose-your-benefits\/","title":{"rendered":"Per\u00edodo de inscripci\u00f3n abierta: qu\u00e9 revisar antes de elegir sus beneficios"},"content":{"rendered":"

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Open enrollment can sneak up quickly, bringing premiums, deductibles, acronyms, and deadlines. Rather than automatically choosing last year\u2019s benefits, <\/span>take time to review your options<\/span><\/a>. The decisions you make can affect your healthcare costs, financial security, and household budget all year.<\/span>\u00a0<\/span><\/p>\n

What to Review During Open Enrollment<\/span><\/b>\u00a0<\/span><\/h1>\n

Start with what changed. Marriage, divorce, a new dependent, income changes, new prescriptions, planned procedures, or more specialist visits can all shift which plan fits best.<\/span>\u00a0<\/span><\/p>\n

How to Choose a Health Insurance Plan<\/span><\/b>\u00a0<\/span><\/h2>\n

Look beyond the monthly premium. Compare <\/span>health insurance deductibles<\/span>, copays, coinsurance, out-of-pocket maximums, prescription coverage, and provider networks. Confirm that your doctors and medications are covered.<\/span>\u00a0<\/span><\/p>\n

The stakes are significant: average annual premiums for employer-sponsored family coverage reached <\/span>$26,993 in 2025<\/span>, with workers contributing $6,850 toward that total. A lower premium may save money each paycheck but cost more if you expect substantial medical care.<\/span>\u00a0<\/span><\/p>\n

Protect Your Budget<\/span><\/b>\u00a0<\/span><\/h2>\n

Estimate your prescription costs, appointments, and procedures. Then consider what you could comfortably pay toward a deductible in an emergency and whether your savings could absorb an unexpected bill.<\/span>\u00a0<\/span><\/p>\n

Review the Rest of Your Benefits<\/span><\/b>\u00a0<\/span><\/h2>\n

Health insurance gets the most attention, but dental and vision coverage, life and disability insurance, retirement plans, employee assistance programs, and tax-advantaged accounts can also provide meaningful value.<\/span>\u00a0<\/span><\/p>\n

If you\u2019re eligible for a Health Savings Account (HSA), contributions may be tax-deductible or made pre-tax, earnings can grow tax-free, and withdrawals for qualified medical expenses can be tax-free. Review Flexible Spending Account (FSA) rules too, including your employer\u2019s deadline, carryover, or grace-period provisions.<\/span>\u00a0<\/span><\/p>\n

Revisit Retirement Savings<\/span><\/b>\u00a0<\/span><\/h2>\n

If your employer offers a retirement plan match, consider contributing enough to receive the full benefit if your budget allows. Even a modest increase may make a meaningful difference over time.<\/span>\u00a0<\/span><\/p>\n

Open Enrollment Checklist<\/span><\/b>\u00a0<\/span><\/h2>\n