Are you absolutely certain you won’t face a shortage-of-hours situation for medical coverage in the fourth quarter of 2025?
If the answer is anything less than a confident yes, now would be an excellent time to do something radical—like checking your pay stubs from the second calendar quarter.
Because if you are short, and you do want coverage during that period (which, let’s be honest, Future You probably does), the third quarter is your golden window to stash away some funds for a potential self-payment.
Of course, if you’re not bothered by the idea of being without coverage... well, that’s a lifestyle choice too. We’re not here to judge—just to point out the obvious before it becomes painful.