Health Insurance plans fall into several main categories described below. Usually paid for with PRE­-TAX dollars: High-Deductible Health Plan (HDHP) For 2026, the minimum deductible is $1,700 for an individual or $3,400 for a family. Out of pocket maximums (including deductibles, coinsurance, or copays) must be

Short Term Disability Most employers offer short-term disability coverage, but this is the perfect time to check if you are covered. Short-term disability policies cover 3 – 6 months of disability and usually come into paly with injuries and pregnancies. Salary coverage is usually 70-80% of base salary Understand

Employer Provided Life Insurance Employer-provided life insurance compensates survivors for lost wages and income in the event of your death. Large employer plans often offer life insurance coverage of $50,000 or 1x salary as a default, with options to increase coverage based on your needs. Group plans tend to have

Many employers offer retirement savings plans, such as 401(k)s, SIMPLE IRAs, 403(b)s, and Thrift Savings Plans. These employer-sponsored plans are easy to contribute to, allowing individuals to set a percentage or dollar amount to be automatically deducted from their paycheck each period.  If contributing pre-tax