As the year races toward its conclusion and the holiday season takes the spotlight, it's easy to overlook important health and financial benefits. We understand that the end-of-year rush can feel overwhelming, with deadlines sneaking up faster than powdered sugar on your favorite Christmas cookie. If you're feeling swamped, unsure where to begin, don't worry—you're not alone. It’s crucial to jump on this before the clock strikes midnight on December 31st to ensure you're not waving goodbye to valuable coverage and savings. Here's how you can make the most of your benefits before they're gone.

Max out Health Savings Account Contributions

There's still time to boost your Health Savings Account (HSA) contributions. Remember, HSAs offer a triple tax advantage: contributions are pre-tax, earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free. Making that last contribution could provide more savings than you'd expect.

Check Your Deductible Status

Have you met your health insurance deductible? If so, now might be the perfect time to schedule any lingering check-ups, necessary procedures, or follow-up appointments before your deductible resets in the new year. This is a great way to reduce out-of-pocket expenses while ensuring your health is carefully monitored.

Use Your Flexible Spending Account Funds

Those with a Flexible Spending Account (FSA) should remember it often operates on a "use it or lose it" model. Be sure to spend down any remaining balance on eligible expenses like prescriptions, co-pays, or health essentials before the deadline—typically December 31st, unless your plan allows a rollover or grace period.

Refill Prescriptions

If your deductible or out-of-pocket maximum has been met, consider refilling recurring prescriptions early. This action can optimize savings and ensure you’re stocked with the necessary medications as you head into the New Year.

Book Dental or Vision Appointments

Don’t forget about your dental and vision benefits. If you haven’t used yours for the year, now is the time to book those appointments. If schedules look full, request to be put on a cancellation list as someone’s canceled appointment could be your gain.

Contact Your Plan Administrator or Benefits Advisor

If you’re unsure about the specifics of your benefits coverage or what may still be available, reach out to your plan administrator or benefits advisor. They are equipped to provide the guidance you need to navigate your options.

By taking just a few small steps now, you can end the year with your benefits maximized and peace of mind intact. Don’t let the year-end deadline pass you by—act now, and take control of your health and financial standing with confidence. After all, it’s much better to ring in 2026 knowing you’ve made the most of what’s available. Open that planner and check your current status or reach out to a professional if you need help. Let's ensure the next year starts with savvy savings and a strong, healthy foot forward.