COBRA continuation coverage can help you keep the same health insurance after losing employer coverage, giving you time to stay with your current doctors and benefits while you figure out what comes next. It’s a useful safety net, but understanding the deadlines and costs is key before you decide.

Planning ahead for your Health FSA can help you stretch your benefits further and avoid losing unused funds. Here’s what the 2026 Health FSA contribution limits and carryover rules mean for your wallet.