We have entered Open Enroll­ment sea­son and that means you and every­one in your office are prob­a­bly read­ing through enroll­ment guides and try­ing to deci­pher it all. As you begin your research into which plan to choose or even how much to con­tribute to your Health Sav­ings Account (HSA), con­sid­er eval­u­at­ing how you used your health plan last year. Look­ing back­ward can actu­al­ly help you plan for­ward and make the most of your health care dol­lars for the com­ing year.

Forbes mag­a­zine gives the advice, “Think of Open Enroll­ment as your time to revis­it your ben­e­fits to make sure you are tak­ing full advan­tage of them.” First, look at how often you used health care ser­vices this year. Did you go to the doc­tor a lot? Did you begin a new pre­scrip­tion drug reg­i­men? What pro­ce­dures did you have done and what are their like­li­hood of need­ing to be done again this year? As you eval­u­ate how you used your dol­lars last year, you can pre­dict how your dol­lars may be spent next year and choose a plan that accom­mo­dates your spending.

Sec­ond, don’t assume your insur­ance cov­er­age will be the same year after year. Your com­pa­ny may change providers or even what ser­vices they will cov­er with the same provider. You may also have bet­ter cov­er­age on ser­vices and pro­ce­dures that were pre­vi­ous­ly not eli­gi­ble for you. If you have choic­es on which plan to enroll in, make sure you are com­par­ing each plan’s costs for pre­mi­ums, deductibles, copays, and coin­sur­ance for next year. Don’t make the mis­take of choos­ing a plan based on how it was writ­ten in years prior.

Third, make sure you are tak­ing full advan­tage of your company’s ser­vices. For instance, their pre­ven­ta­tive health ben­e­fits. Do they offer dis­count­ed gym mem­ber­ships? What about weight-loss coun­sel­ing ser­vices or surgery? How fre­quent­ly can you vis­it the den­tist for clean­ings or the optometrist? Make sure you know what is cov­ered and that you are using the ser­vices pro­vid­ed for you. Check to see if your com­pa­ny gives dis­counts on health insur­ance pre­mi­ums for com­plet­ing health sur­veys or well­ness programs—even for wear­ing fit­ness track­ers! Don’t leave mon­ey on the table by not being edu­cat­ed on what is offered.

Final­ly, look at your company’s pol­i­cy choic­es for life insur­ance. Tak­ing out a per­son­al life insur­ance pol­i­cy can be very cost­ly but ones offered through your office are much more rea­son­able. Why? You reap the cost ben­e­fit of being a part of a group life pol­i­cy. Again, look at how your fam­i­ly is expect­ed to change this year—are you get­ting mar­ried or hav­ing a baby, or even going through a divorce? Con­sid­er chang­ing your life insur­ance cov­er­age to account for these life changes. Forbes says that “peo­ple enter­ing or exit­ing your life is typ­i­cal­ly a good indi­ca­tor that you may want to revis­it your exist­ing benefits.”

As you make choic­es for your­self and/or your fam­i­ly this Open Enroll­ment sea­son, be sure to look at ALL the options avail­able to you. Do your research. Take the time to under­stand your options—your HR depart­ment may even have a tool avail­able to help you esti­mate the best health care plan for you and your depen­dents. And remem­ber, look­ing back­ward on your past habits and expens­es can be an impor­tant tool to help you plan for­ward for next year.