The “Before the Ball Drops” Checklist emphasizes the importance of reviewing insurance and financial matters before year-end. Key actions include scheduling medical procedures if deductibles are met, spending unused FSA funds, auditing life insurance for beneficiary updates and coverage amounts, and assessing disability insurance adequacy. Secure your family’s financial future now.

The Open Enrollment period for Covered California ends on January 31, 2026, presenting a crucial opportunity for those uninsured or wishing to switch plans. California’s Individual Shared Responsibility Penalty can result in significant fines for non-compliance. Additionally, changes to rates and subsidies necessitate active plan shopping to optimize coverage and avoid financial penalties.

As year-end approaches, business owners must prioritize strategic planning amidst holiday chaos. Key areas to address include reviewing key person insurance and buy-sell agreements for updated valuations, ensuring fourth-quarter estimated tax payments are made, and evaluating benefits administration processes for 2026. Completing these tasks fosters confidence for the New Year.

Has the high cost or strict requirements of health insurance kept you from offering a group plan to your employees? The gate just opened. This year, you have a time-sensitive, once-a-year opportunity to secure a critical employee benefit—and significant tax advantages—for your small business. The window is narrow, but the potential is huge.

Living with diabetes is a full-time job. Your health insurance shouldn’t make it harder. As we recognize National Diabetes Awareness Month this November, let’s talk about the one tool that can be your greatest ally in managing your condition—or your biggest headache: your health plan.

The Medicare Annual Enrollment Period (AEP) runs from October 15 to December 7, allowing beneficiaries to review and adjust their plans for 2024. It’s crucial to assess changes in coverage, costs, and medication formularies, as missing the deadline can limit options for the year and lead to unexpected expenses.

Covered California’s Open Enrollment for 2026 health plans runs from November 1, 2025, to January 31, 2026. Individuals and families must review and update their plans as health needs and financial situations change annually. Small businesses can also benefit through Covered California for Small Business (CCSB), offering flexible plans and potential tax credits.

Stop Leaving Money on the Table! From October 15 to December 7, you have a crucial opportunity to ensure your 2026 Medicare coverage is the most cost-effective plan for your health needs. Don’t simply re-enroll without checking—major new benefits and plan changes could save you thousands.

That health insurance policy you rely on? It’s your financial blueprint for medical care, yet surveys show most of us feel utterly lost trying to read it. Before a surprise bill blindsides you, let’s turn the confusing jargon into power.