Скачать или смотреть Open Enrollment The Annual Event We All Pretend to Understand Health Insurance

It's November fourteenth at eleven fifty-eight PM and you're about to click "same as last year" without reading anything. Let's fix that. Here's how to actually make smart benefits decisions during open enrollment without having a mental breakdown.
WHAT YOU'LL LEARN:

How to choose between PPO, HMO, and HDHP plans based on your actual healthcare usage
The difference between HSA and FSA (and which one is better for you)
How much to contribute to your 401k beyond the employer match
Whether you actually need that dental, vision, and life insurance your company offers
A simple checklist to get through open enrollment in 30 minutes

KEY TAKEAWAY: Open enrollment isn't about understanding every detail of health insurance—it's about asking the right questions and making intentional choices based on how you actually use healthcare. Spend 30 minutes now, save yourself regret for the next 12 months.
Next week: Side hustles vs overtime. Should you pick up extra shifts at your W2 job or start something on the side? We're breaking down the tax implications and when each one makes sense.
📍 TIMESTAMPS:
0:00 - Hook: It's Enrollment Deadline Day
0:33 - Intro
1:11 - The Big Decision - Which Health Insurance Plan?
3:06 - HSA vs FSA - The Alphabet Soup Decision
4:23 - The 401k Decision - How Much Should You Contribute?
6:14 - Everything Else - Life Insurance, Disability, Dental, Vision
7:28 - The Open Enrollment Checklist - What to Actually Do
8:41 - Closing & Next Week Preview
💬 COMMENT BELOW: What's the most confusing part of open enrollment for you? HSA vs FSA? Choosing between plans? Let's figure it out together.
🔔 Subscribe for weekly paycheck optimization tips delivered every Wednesday at 3 PM ET.

DISCLAIMER: This channel provides general educational information about personal finance and W2 employee benefits. Content is not personalized financial advice. I am not a licensed financial advisor, accountant, or tax professional. Always consult with qualified professionals for your specific financial situation. Tools and strategies discussed may not be suitable for everyone.

#OpenEnrollment #HealthInsurance #HSA #FSA #401k #PersonalFinance #W2Employee #BenefitsEnrollment #FinancialLiteracy #PaycheckToProgress