Most people will have to pay higher premiums plus a larger share of the cost for each doctor’s visit and procedure.

+ How to Beat Rising Health Insurance Premiums

Here's how to take advantage of an FSA before the amount you can contribute to one is lowered in 2013.

+ SLIDE SHOW: 7 Smart Uses for Your Flex-Account Money

If you’ve been contributing the maximum to your 401(k) or other retirement plan, think about boosting your salary deferral amount for 2012.

A couple of tax breaks are available for working parents who pay for child care, and there is a way to benefit from both options if you have two or more children.

Health insurance isn't the only thing you need to consider when making decisions about benefits offered by your employer.

Know the rules for keeping your kids on your health insurance plans.

Being young, healthy and broke does not mean you should skip paying for health insurance. Stay covered without spending a fortune.

These tax-advantaged accounts can help you pay for costs not covered by a high-deductible health-insurance policy.

Some employers offer this coverage. Shorter-term policies save you thousands but still cover nearly every extended illness.

Just as employers can provide tax-free reimbursement for the cost of parking or transit passes, they can also subsidize the cost of biking to work.

When you bike to work, it might feel like your commute is uphill both ways -- until you realize the added weight you're carrying is actually extra money in your pocket.