Before you click enroll

• Pull last 12 months of medical + Rx spend
• List upcoming planned care (surgery, pregnancy, therapy)
• Note preferred doctors and whether they stay in-network

Plan math

• Compare premium + expected deductible + out-of-pocket max
• High-deductible + HSA only if you can fund the deductible
• FSA: estimate carefully — use-it-or-lose-it rules vary

Add-ons

• Dental and vision: worth it if you will use them
• Life / disability: enough to cover obligations, not a sales pitch
• Beneficiary designations still correct?

After you enroll

• Screenshot confirmations
• Update HSA contribution elections
• Calendar the next open enrollment so you are not surprised