Year-End Health Benefits Checklist for Katy, TX Households
Published November 1, 2027 · By Joseph Stevens
Use it or lose it: FSA dollars
Most Flexible Spending Accounts expire December 31 (some allow a small rollover or grace period — check yours). Eligible spending includes glasses, contacts, dental work, first-aid supplies and many over-the-counter items.
Met your deductible? The clock resets January 1
- If you've met your 2027 deductible, scheduled procedures and follow-ups cost far less before January 1
- If you're nowhere near your deductible, non-urgent care may be cheaper to plan into next year
- Either way, knowing your number changes the smart move — check your insurer's portal or call us
Free preventive care you're leaving on the table
ACA plans cover annual wellness visits, many screenings and immunizations at 100% with no copay. If your family skipped theirs this year, there's still time — Katy-area clinics book up fast in December.
Confirm January 1 coverage is locked
- Verify your 2028 enrollment is complete on HealthCare.gov or with your carrier
- Pay the first premium — coverage doesn't start until the binder payment clears
- Watch for new ID cards in late December
- Update your pharmacy with new plan details before your first January refill
FAQs
Do all FSAs expire December 31?
Most do, but some employers offer a grace period through mid-March or a limited rollover. Check your plan documents — the rule is set by your employer's plan, not by the IRS alone.
How do I check my deductible progress?
Your insurer's member portal or app shows it, or call the number on your ID card. We can also help you read your explanation of benefits.
I enrolled for January but haven't paid. Am I covered?
Not yet. Coverage starts only after your first premium (the binder payment) is received. Pay it as soon as the invoice arrives.
Need help applying this to your situation?
Free, no-pressure call with a licensed Texas agent.