Healthcare Worker Benefits Blueprint
Answer 16 plain-English questions before opening the HR portal. Leave with a retirement starting range, health-plan fit signals, an HSA check, and the exact numbers to find.
Your answers stay in local React state and are not transmitted or saved.
Go into the HR portal with a search list
The blueprint narrows the questions. The employer's actual contribution rules, premiums, networks, and plan documents provide the answer.
Start with goals
Decide which tradeoffs matter before plan names, payroll deductions, and HR terminology compete for attention.
Find the controlling numbers
Use the SBC, retirement-plan documents, network directory, drug formulary, and employer HSA details.
Verify before submitting
Recheck the paycheck impact, match formula, coverage tier, beneficiaries, and final confirmation page.
Turn the blueprint into actual plan math
These existing pages take the next step without duplicating the questionnaire.
403(b) Paycheck Calculator
Convert a contribution percentage into paycheck and annual amounts.
Open Enrollment True Cost Calculator
Compare actual premiums, expected care, employer money, and bad-year exposure.
Health Insurance Plan Types
Understand HMO, PPO, EPO, POS, and HSA-eligible structures.
How to Read an SBC
Use the controlling plan summary for apples-to-apples comparisons.
Source-backed, but still a starting point
The 2026 limits below are time-sensitive. Plan fit depends on the employer's actual documents, provider network, formulary, and household needs.
Official sources
- IRS· 403(b) contribution limits
Official 2026 employee deferral limit: $24,500, with separate age, 15-year-service, and Roth catch-up rules for eligible participants. Re-verified July 16, 2026.
- IRS· Revenue Procedure 2025-19 — 2026 HSA limits
Official 2026 HSA limits: $4,400 self-only and $8,750 family. Re-verified July 16, 2026.
- HealthCare.gov· Summary of Benefits and Coverage
Official explanation of the standardized SBC used to compare job-based and individual health plans.
- HealthCare.gov· Health insurance plan and network types
Official definitions for HMO, PPO, EPO, POS, and related network structures.
- SEC Investor.gov· Asset allocation
Investor education on time horizon, risk tolerance, and diversified investment mixes.
Build the actual package after setting the Benefits Blueprint
Use the Blueprint to define priorities, then enter the employer numbers and generate a decision-ready receipt.