Open Enrollment Helper
Step-by-step walkthrough of every benefits election. Avoid missed opportunities during open enrollment.
FAQ
When can I change benefits?
Once a year during open enrollment, or after a qualifying life event (marriage, birth, divorce, job change). Otherwise locked in.
What's a qualifying life event?
Marriage, divorce, birth/adoption of child, death of dependent, loss of coverage, job change. Each lets you modify benefits outside the annual window. Usually 30-day window after the event.
What should I actually elect?
Depends on your situation. Use the linked sub-tools (HSA vs FSA, Health Insurance Comparison, 401k Projector, ESPP Calculator) for specific decisions.
Disclaimer. Educational walkthrough. Your employer's HR portal is authoritative for actual elections. Some benefits have eligibility rules not modeled here.