The season for holiday spending may be in high gear, but you can get your finances in order for next year with these smart ideas―By Betsy Wiesendanger
Open enrollment at most companies runs November through December―if you've been thinking of making a switch, do it now. Even if you're happy with your current plan, look it over carefully. The benefits, co-payments and deductibles in many policies change annually. Ask your primary-care physician which other plans she participates in. You may be better off with another provider.