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

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