As the end of the year approaches faster than we expect, it’s easy to get swept up in holiday plans and overlook important health and financial benefits. If you’re feeling unsure about what to do or worried you may be missing something, you’re not alone. Now is the perfect time to take a few simple steps to make sure you aren’t leaving valuable coverage or savings behind.
The good news? A little preparation now can make a big difference later. Here are several ways to make the most of your remaining benefits before December 31st:
Use your Flexible Spending Account funds
If you have an FSA, remember that most plans follow a “use it or lose it” rule. Check your balance and consider spending it on eligible expenses such as medical supplies, over-the-counter items, or upcoming appointments. Some plans allow a grace period or limited rollover—but it’s still best to confirm and use remaining funds while you can.
Check your deductible status
If you’ve already met your deductible, now could be the ideal time to schedule any pending check-ups, procedures, or follow-up visits. Since your deductible resets in the new year, taking care of these items now may reduce what you’d pay out of pocket.
Refill prescriptions
For those who have reached their deductible or out-of-pocket maximum, refilling recurring prescriptions early may save money and help you start the new year fully prepared. It’s worth checking with your pharmacy or provider to see what’s eligible.
Max out your health savings account contributions
If you have an HSA, you can continue contributing through December 31st. HSAs offer a triple tax advantage—tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses—making them one of the most valuable long-term savings tools available.
Book dental or vision appointments
Many dental and vision benefits don’t roll over, so make sure you’ve used yours before they expire. If appointment slots are limited, ask to join a cancellation list—last-minute openings happen more often than you’d think.
Contact your plan administrator or benefits advisor
If you’re unsure about what benefits you still have available or what’s covered, help is just a call away. Your plan administrator or benefits advisor can walk you through your options and clarify anything that feels confusing.
A few small actions today can lead to meaningful savings, peace of mind, and a smoother start to 2026. Before December 31st arrives, take a moment to review your benefits, schedule necessary appointments, or ask for help if you need it. Your future self will thank you for staying ahead.
This content is developed from sources believed to be providing accurate information. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.