Open Enrollment Mastery Kit: The Complete OE System
$67.00
Open enrollment is the one season where every mistake has a deadline attached. This is the whole cycle — March through January.
Open Enrollment Survival Guide — $47 value
26 pages, seven phases. The 8-week file build rule, the new-hire dual-window trap, and the carrier questions that prevent January 1 coverage gaps.
OE Timeline Checklist — $27 value
Every task with an owner and a target date. Critical items flagged, not buried.
OE Rate Calculator — $27 value
A 12-tab Excel workbook. Five contribution scenarios side by side, cost per paycheck, and a live ACA affordability check that runs before you commit.
BONUS — OE Compliance Calendar — $13 value
Part D, SBC, gag clause, 1095-C — each with the rule behind the date.
$114 of tools for $67.
Two PDFs + one Excel workbook · instant download · yours permanently · 30-day guarantee
Description
Open enrollment is the one season where every mistake has a deadline attached
Miss the file build window and January 1 arrives without coverage. Miss the Part D notice and a Medicare-eligible employee carries a late enrollment penalty for life. Set the employee contribution too high and you are exposed on every full-time employee who goes to the exchange.
None of that is on a project plan anywhere. Nobody hands it to you.
This is the whole cycle — March through January — from someone who has run it for twenty years.
What you get
1. Open Enrollment Survival Guide — $47 value
26 pages · seven phases · March through January
Not a compliance textbook. The operational reality of the season, phase by phase — what to do, when to do it, and what nobody tells you until it is already late.
- The 8-week EDI file build rule — counted backwards from your carrier’s deadline, so you know exactly when the ticket has to open
- The new-hire dual-window trap — why someone hired in October has two enrollment windows and does not know it
- How each carrier handles a dropped enrollment — null record or explicit termination date. Get this wrong and you pay premium for people who left.
- Why “file received” is not “enrollment processed” — the silent failure that surfaces in January
- The health FSA and HSA distinction employees always get backwards — and which one really cannot be passively enrolled
2. OE Timeline Checklist — $27 value
15 pages · print it, check it, repeat it every year
Every task in the cycle with an owner and a target date. Critical items are flagged so you can see at a glance which slipped deadlines cause downstream damage. Includes the four questions to ask every carrier before your file transmits, and a contacts and dates tracker to fill in before the season starts.
3. OE Rate & Contribution Calculator — $27 value
12-tab Excel workbook · pre-built · 516 working formulas
- Five contribution scenarios side by side — employer 100%, 75/25, 60/40, 50/50, and a weighted tier that protects the employee-only rate
- Cost per paycheck, not just per month. Employees do not think in monthly premium. This is the number they ask for.
- A leadership decision page you print and walk in with — every benefit, all five scenarios, total company cost and employee cost
- Renewal alerts that fire on their own — the notice-to-cancel column turns red when a window has closed, so no voluntary benefit auto-renews behind your back
- 2026 and 2027 IRS limits already filled in, each with the Revenue Procedure behind it. Where a 2027 figure has not been released, it says so instead of guessing.
Included Bonus
The OE Compliance Calendar — $13 value
Built into the workbook and repeated in the guide. Medicare Part D creditable coverage, SBC delivery, the gag clause attestation, the 1095-C dates — each with the rule that sets the deadline, not just a date that expires next year.
Including the change most guides have not caught up to: for plan years beginning in 2027 the 2009 simplified determination method is retired, and a plan that was creditable in 2024 may not be creditable now.
The thing no other OE kit has
A live ACA affordability check
Every rate calculator on the internet helps you split a premium. This one tells you whether the split is legal.
Enter your rates and it tests your lowest-cost employee-only contribution against all three safe harbors — federal poverty line, rate of pay, and W-2 — and tells you PASS or FAIL on each, before you present anything to leadership.
Getting it wrong costs $5,670 per subsidized full-time employee for 2027. A 50/50 split can fail without anyone in the room noticing.
Get the OE Mastery Kit — $67 →
$114 of tools for $67. Two PDFs and one Excel workbook, instant download.
Every number carries its source
Revenue Procedure numbers. CFR sections. Federal Register citations. When your broker asks where a figure came from, you can tell them. Most OE checklists are unsourced — this one was written to be handed to a professional.
This is for you if
- You are running open enrollment for the first time, or the first time on your own
- You inherited the season from someone who left no documentation
- Last year’s OE worked, and you are not entirely sure why
- You need to walk into a rate conversation with leadership and have the analysis already done
- You have 100 to 1,000 employees and no dedicated benefits team behind you
This is not for you if you want a general benefits administration foundation. That is a different product — see below. This kit is one season, in depth.
New to benefits administration entirely? Start with Day One Ready — the 90-day roadmap, the 11-tab Carrier Command Center, and two bonus guides. $103 of tools for $67. Then come back here when your first OE season starts.
The “You’ll Walk In Prepared” Guarantee
Read Phase 1. That’s it.
If you don’t finish it knowing something about your own OE season you didn’t know before — reply to your confirmation email within 30 days and I’ll refund you in full. No form, no questions, no explaining yourself.
I’d rather you have the money than a file you’re not using.
Questions people ask
My OE is in eight weeks. Is it too late for this to help?
No. The guide has a “where are you right now?” page that routes you straight to the phase you are actually in. The calculator and the affordability check work at any point before rates are final, and the compliance dates apply no matter when you bought.
Will it go out of date after this year?
The operational content does not expire — file builds still take eight weeks and carriers still need lead time. The compliance dates are written rule-first, so “30 days before the plan year” works for any plan year. Only the dollar figures change annually, and they live on one tab with a note telling you which month each one updates.
Do I need to be good at Excel?
No. Yellow cells are yours to type in, green cells calculate themselves, and the Start Here tab links straight to all eleven other tabs. Nothing needs to be built.
Is this legal advice?
No, and it says so plainly inside. I’m a benefits administration practitioner, not an attorney or an actuary. The affordability check is a planning screen, not a compliance determination. Every citation is printed so you can verify it and bring it to your broker or ERISA counsel.
What format is everything in?
Two PDFs and one Excel workbook (.xlsx). Downloadable the moment you buy, yours permanently, no subscription. The PDFs are fully searchable — press Ctrl+F and find any deadline in a second.
OE will end. The question is what it costs you.
You can run this season the way it ran last year and hope nothing lands in January.
Or you can open the calendar in March knowing every meeting, every deadline, and every question you need answered before it becomes urgent.
Get the OE Mastery Kit — $67 →
One time. Permanent access. 30-day guarantee.
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