Open enrollment isn’t just a benefits paperwork exercise — it’s a tax planning opportunity. For orthopedic surgeons and other high-income physicians, the way you structure your health insurance, HSA, healthcare FSA, and dependent care FSA elections can materially impact your tax bill and long-term wealth. This article breaks down the 2026 limits, HDHP eligibility rules, and practical strategies to optimize your benefits before you lock in elections for the year.