Along with the coming holidays, this is also the season for many workers to resign for their healthcare benefits. Before you drop the package in the bottom drawer of your desk under the rubber boots and old ratty sweater you forgot to take home, read this.

Many companies will automatically switch you to the cheapest option or drop you altogether if you don't choose something. Even if you're not changing anything, confirm your choice.

If your company lets you put aside pretax dollars for healthcare, for most workers it makes a lot of sense to do it.

If your company offers a wellness incentive program, take advantage of it. You'll have come out ahead with possible lower rates on insurance premiums or even cash for you to use for health expenses.

There may be some surprises in your healthcare benefit being offered for next year, so look over the information carefully. It's your health and your pocketbook...so TAKE CONTROL!