How to Maximize Remaining Health Benefits Before 2026

The end of the year always seems to sneak up on us, doesn’t it? Between holiday preparations and wrapping up work projects, it’s easy to overlook essential health and financial benefits that are at risk of expiring. If you’re feeling overwhelmed, know you’re not alone. Many face the same struggle over what steps to take to make the most of their benefits. Let’s explore some tips to help you act before time slips away, ensuring you don’t miss out on valuable coverage and savings.

Check Your Deductible Status

One of the smartest moves you can make is to check whether you’ve met your health insurance deductible this year. If you have, it's an optimal time to schedule check-ups, procedures, or follow-up appointments before your deductible resets. This simple action can make a significant financial difference.

Use Your Flexible Spending Account Funds

FSAs typically operate on a "use it or lose it" basis. This means you need to spend down your account balance on eligible expenses before December 31st unless your plan offers a rollover or grace period. Don’t let your hard-earned money go to waste!

Book Dental or Vision Appointments

It’s not just medical check-ups that can maximize your benefits. Have you used your dental and vision benefits this year? Booking these appointments now ensures you make the most of your coverage. Contact your provider about cancellation lists if appointments are scarce.

Max Out Health Savings Account Contributions

Remember, you can still contribute to your HSA until the end of the year. Take advantage of the triple tax benefits this account offers: tax-deductible contributions, tax-free earnings, and tax-free withdrawals for qualifying expenses.

Refill Prescriptions

If you've met your deductible or out-of-pocket maximum, consider refilling recurring medications early. This can be an excellent way to maximize savings under your current benefits.

Contact Your Plan Administrator or Benefits Advisor

If you’re uncertain about the specifics of your coverage or the benefits remaining, don’t hesitate to reach out to your plan administrator or a benefits advisor. They can provide guidance and help you navigate your options.

Taking a few small actions now can lead to significant savings and peace of mind. With the deadline of December 31st fast approaching, empower yourself to take control of your benefits. Check your current status or consult a professional if you need extra support. Act now and ensure you’re ready for 2026!