Oct 15, 2026 · 19 min · 8 segments
In this episode of *Money and Taxes from BB to XYZ*, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, tackle employee benefits open enrollment and how to make sense of that intimidating…
Things like your retirement savings, things like your right catastrophic financial loss from a health issue, things like your loss of income from, you know, having some sort of injury.
All of those things typically in a good employee benefits plan can be addressed.
And they're crucial not only because they help out financially, but they're also crucial right now because there's a looming deadline.
You might have an open enrollment window closing soon and you have to select these new benefits or maybe get stuck on the same plans that you had this year that might not be optimal for you in 2027.
Yeah, so it's a good chance, of course, as the year winds down, kind of assess what you had going on and what you expect into the next year and make some good decisions with that.
And I think a lot of our clients kind of enjoy handing those guides off to me because they can be overwhelming.
And I'm sure some of our listeners here who are not clients are thinking, OK, Reg, so how do I go about analyzing my own employee benefits if I've got this huge guide with, you know, maybe three different health plans, a couple of vision plans, a couple of dental plans? And then maybe my spouse or partner also has their own.
Like, how do we look at all of this holistically so that we can make the best decision for next year? Because there's deductibles and out-of-pocket limits and premiums and maybe an employer helps out a little bit with an HSA contribution.
And yeah, the question that comes to mind for me is like, where do you start? What is the first thing you should be looking at when you get your employee benefits guide?
You're expecting a similar year health wise next year and you want to re-enroll.
Things like your retirement savings, things like your right catastrophic financial loss from a health issue, things like your loss of income from, you know, having some sort of injury.
All of those things typically in a good employee benefits plan can be addressed.
And they're crucial not only because they help out financially, but they're also crucial right now because there's a looming deadline.
You might have an open enrollment window closing soon and you have to select these new benefits or maybe get stuck on the same plans that you had this year that might not be optimal for you in 2027.
Yeah, so it's a good chance, of course, as the year winds down, kind of assess what you had going on and what you expect into the next year and make some good decisions with that.
And I think a lot of our clients kind of enjoy handing those guides off to me because they can be overwhelming.
And I'm sure some of our listeners here who are not clients are thinking, OK, Reg, so how do I go about analyzing my own employee benefits if I've got this huge guide with, you know, maybe three different health plans, a couple of vision plans, a couple of dental plans? And then maybe my spouse or partner also has their own.
Like, how do we look at all of this holistically so that we can make the best decision for next year? Because there's deductibles and out-of-pocket limits and premiums and maybe an employer helps out a little bit with an HSA contribution.
And yeah, the question that comes to mind for me is like, where do you start? What is the first thing you should be looking at when you get your employee benefits guide?
You're expecting a similar year health wise next year and you want to re-enroll.
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