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First thing I would suggest is look at your healthcare use for the year. How often have you used your health plan? If you seldom use it, maybe take a look at options that offer a Health Savings Account. The biggest advantage of an HSA is the contributions do not expire. You could build a sizable war chest for when you eventually have health care expenses or use it for retirement.
But don't make the decision exclusively about money. Are you happy with the coverage you have today? There is nothing wrong with taking more coverage than you need if that sense of security helps you sleep at night.
Lastly, don't forget about your 401k or other related retirement accounts. If you are eligible to receive match dollars, take a look at your contributions and try to maximize the match money you receive. You should be able to update your contributions year-round, but...Open Enrollment time is a great time to take a look at retirement accounts.
Lasty 2.0...Double Check your beneficiaries for you Life Insurance and retirement accounts. On behalf of your Benefits Team, I ask you to take a moment and make sure you have the designation set to whomever you want to receive the money if/when something happens to you. Don't leave it to chance. Life happens.
Happy to answer any specific questions you have! This is what I do for a living
Spouse and l change our plans frequently. See which option is lower for the family. Who offers more HSA $$& free. Ensure our doctors are in network. Move up a plan or two in tier level if we are having a kid that year. Usually go with the cheapest option since we are generally healthy and go to the doctor once a year for blood work and physical. But if we are having a kid we jump up to a better plan. Just calculate the costs and see what makes sense.
Cheapest plan every year. Put a lot in HSA because most doctors we use don’t take insurance and insurance doesn’t cover chiropractors not in network. We have good vision and dental for the family.