Stop second-guessing your benefits choices every November. This guide walks you through every open enrollment decision — medical plans, HSA vs. FSA, dental, vision, life insurance, disability, and 401(k) match optimization — using your actual health usage patterns and real after-tax math. ## What's included - **Medical plan comparison** — HMO / PPO / HDHP, with annual premiums + deductibles + out-of-pocket max - **HSA vs FSA decision** with your tax bracket + dependent care needs - **Dental + vision recommendation** — when employer plan beats marketplace - **Life insurance** sizing — when the supplemental is worth it - **Short-term + long-term disability** — when to buy-up - **401(k) match optimization** — vest schedule + max-match contribution - **HSA + 401(k) priority order** — given your savings ability - **After-tax math** — show me the dollar impact of each choice - **Personalized recommendation report** — your specific dollar figures ## Limitations - **Not financial advice** — informational tool; complex situations (high-net-worth, equity-heavy comp) need a financial planner - **Requires your usage data** — last year's medical claims + RX history - **Employer-plan-specific** — agent compares plans you have access to; can't recommend ones not offered - **U.S.-focused** — international benefits structures need adaptation - **Doesn't enroll for you** — you commit choices via your employer portal ## Best fit Employees at companies with 10-500 people whose HR doesn't offer a benefits advisor. Especially valuable for new parents (sudden HSA + dependent care matter), 401(k) match-leavers (typical $1K-$10K/yr left on table), and high earners considering HDHP+HSA for the triple-tax advantage.
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