Open enrollment guides for 2026
Plain-English guides to choosing benefits. Each one links to a free calculator.
How to Compare Health Plans During Open Enrollment (2026)
A step-by-step way to compare employer health plans for 2026: total yearly cost, deductibles, out-of-pocket max, HSA money and your expected care.
HSA vs FSA in 2026: Limits, Rules and Which One to Choose
2026 HSA limits are $4,400 (self) and $8,750 (family); health FSA is $3,400 with a $680 carryover; dependent care FSA rises to $7,500. Here's how to choose.
How Much Is My Take-Home Pay After Benefits? (2026)
Your paycheck minus federal tax, FICA, state tax, 401(k), health premiums and HSA/FSA. See how pre-tax benefits change take-home pay, with a worked 2026 example.
HDHP vs PPO: How to Find Your Break-Even Point (2026)
Find the medical spending level where a PPO starts beating a high-deductible plan. Formula, worked example and what HSA tax savings do to the math.
How to Read Your Benefits Guide: The 10 Numbers That Matter
Your employer's benefits guide is 30+ pages. These are the 10 numbers that decide your paycheck and your health costs, and where to find them.