Enrollment DecodedThis is what you get for $49.
A made-up employee, a made-up benefits guide, and the report we'd build from it. Yours uses your own guide and answers, so the numbers will be different.
Pick the HSA Plan
It saves you about $1,180 for the care you expect, after taxes and the $500 Example Co. puts in your HSA.
| Plan | Your expected year | Worst case |
|---|---|---|
| HSA Plan | $2,940 | $4,500 |
| PPO Plus | $4,120 | $5,200 |
| HMO Basic | $3,610 | $4,800 |
Put in $2,400
That's $100 per paycheck, pre-tax. With Example Co.'s $500 it covers your expected care with room to spare. 2027 limit: $4,500.
Contribute 6%
Example Co. matches 100% of the first 3% and 50% of the next 3%. 6% gets the whole match. Traditional over Roth at your tax rate, for now.
Limited-purpose FSA: $300
A regular health FSA doesn't mix with an HSA. The limited-purpose kind covers your glasses with pre-tax money.
Keep dental. Add vision.
Vision costs $130 a year and your glasses would cost about $250 without it.
Keep the free 1× salary. Skip the extra.
No one depends on your income right now, so supplemental coverage isn't worth $14 a paycheck.
Sign up for long-term disability
Choose the after-tax option. It costs about $6 a paycheck, and any benefit would come to you tax-free.
Skip the ESPP for now
Fill the HSA and get the whole 401(k) match first. Revisit it next year.
Skip accident, hospital and critical illness
Your HSA and the plan's out-of-pocket max already cover a bad year.
Your enrollment checklist
- Medical: choose HSA Plan, employee only
- HSA contribution: $2,400 for the year ($100 per paycheck)
- Limited-purpose FSA: $300
- Dental: keep Basic · Vision: enroll
- 401(k): 6%, Traditional
- Life: basic only · Long-term disability: enroll, after-tax
- ESPP, accident, hospital, critical illness: decline
- Deadline: Nov 14. Save your confirmation page.
Per paycheck
| HSA Plan premium | $62 |
| HSA contribution pre-tax | $100 |
| 401(k) at 6% pre-tax, on $60,000 | $138 |
| Limited-purpose FSA | $12 |
| Dental + vision | $17 |
| Long-term disability | $6 |
| Total from each paycheck about $260 less take-home after the tax savings | $335 |
Example only. Jordan, Example Co. and these plans are made up to show the format. Your report is built from your own benefits guide and your answers. Educational content, not individualized financial advice.
Want yours?
Upload your benefits guide, answer a few questions, and get this for your plans and your numbers.
Get my report · $49One time · 14-day money-back guarantee · Or try the free Decoder first