This year’s open enrollment season just may be one of the most essential—and confusing—in recent history. The myriad legislative changes that were introduced for flexible spending accounts (FSAs) and health savings accounts (HSAs) in 2020 due to COVID-19 were designed to give employers and employees more flexibility and protection. While these changes were critically important and beneficial, they now have the potential to create even more confusion for employees as they try to sort out 2021 deadlines while making decisions about 2022 benefits.