Typically, group plans give employees a 7 to 30 day open enrollment period during the 4th quarter to make changes to their healthcare coverage for the next calendar year. Employers often offer multiple plans with varying levels of cost sharing and links to tax advantaged savings accounts (HSA’s and FSA’s). The “best plan” for you and your family may change from year to year depending on how you expect to use the coverage, and if you are planning for an upcoming treatment or surgery. Open Enrollment Season