Open enrollment checklist
Last checked: Nov 2026 · From the guide: Open enrollment checklist
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Before you start
Health plan
HSA or FSA
Dental and vision
Life and disability
Retirement (401(k))
People and paperwork
After you submit
Your plan documents are the final word. Figures carry their year; check IRS.gov or your enrollment materials for newer limits. General education only. Not professional, legal, tax, or financial advice. Check your own plan documents and talk with a qualified professional about your situation.
Sources
- HealthCare.gov, "When can you get health insurance?" (dates and deadlines): https://www.healthcare.gov/quick-guide/dates-and-deadlines/
- HealthCare.gov, "Summary of Benefits and Coverage (SBC)": https://www.healthcare.gov/glossary/summary-of-benefits-and-coverage/
- IRS, Revenue Procedure 2026-24 (2027 HSA amounts): https://www.irs.gov/pub/irs-drop/rp-26-24.pdf
- IRS, Revenue Procedure 2025-32 (2026 health FSA limit): https://www.irs.gov/pub/irs-drop/rp-25-32.pdf
- IRS, Publication 969 (2025): https://www.irs.gov/pub/irs-pdf/p969.pdf
- IRS, Publication 15-B (2026): https://www.irs.gov/pub/irs-pdf/p15b.pdf
- IRS, "Retirement topics - 401(k) and profit-sharing plan contribution limits": https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-401k-and-profit-sharing-plan-contribution-limits
- IRS, "Inflation-adjusted tax items by tax year": https://www.irs.gov/newsroom/inflation-adjusted-tax-items-by-tax-year
- IRS, "Life insurance & disability insurance proceeds" (FAQ): https://www.irs.gov/faqs/interest-dividends-other-types-of-income/life-insurance-disability-insurance-proceeds
- U.S. Department of Labor, "Life Changes Require Health Choices...Know Your Benefit Options": https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/life-changes-require-health-choices