Health & Benefits Plan

10 questions behind a strong health and benefits plan.

• 1. Am I choosing the right health insurance option for my family each year?
• 2. Should I be using an HSA, and am I getting the most out of it?
• 3. Which benefits from my employer are actually worth taking advantage of?
• 4. How should my spouse and I coordinate benefits when we both have coverage available through work?
• 5. Should I treat my HSA as money to spend today or as another long-term savings account?
• 6. What happens to my health insurance and other benefits if I change jobs, start a business, or take time off?
• 7. Am I overlooking benefits such as employer matching, deferred compensation, stock plans, or other workplace programs?
• 8. How much should I be setting aside for healthcare costs that may come later?
• 9. How do major life changes like marriage, children, or a new job affect the benefits I should choose?
• 10. Are my health and workplace benefits coordinated with my tax, cash flow, and investment plans?

• 1. How do I cover healthcare if I retire before becoming eligible for Medicare?
• 2. When do I need to enroll in Medicare, and how do Parts A, B, D, Medigap, and Medicare Advantage fit together?
• 3. Should I choose Medigap or Medicare Advantage, and what tradeoffs matter for me?
• 4. How should I coordinate Medicare with benefits from my employer or my spouse's employer?
• 5. How can my income and tax decisions affect what I pay for Medicare?
• 6. How much should we realistically budget for healthcare throughout retirement?
• 7. How should I use my HSA once I am retired?
• 8. What retiree healthcare, pension, or employer benefits do I need to understand before I leave work?
• 9. How should we prepare financially if one of us eventually needs long-term care?
• 10. How do our healthcare and benefits decisions stay coordinated with our retirement income and tax plans?