- List expected care: visits, prescriptions, planned procedures.
- Gather each plan’s premium, deductible, coinsurance, copays and out-of-pocket max.
- Run the HSA vs PPO calculator at low, typical and worst-case spending.
- Check networks for your doctors and hospitals.
- Check the drug formulary tier for each prescription.
- Note employer HSA or HRA money.
- Pick your HSA contribution (per-paycheck calculator) or FSA election.
- Compare spouse’s plan if available (family glitch rules may apply).
- Review dental, vision, life and disability elections.
- Save confirmation and check your first paycheck deductions.
General education, not insurance, tax or legal advice. Figures from IRS and HHS publications; confirm with your plan documents.