Open Enrollment season is finally here. But there is a twist this year, one that can help keep some money in your bank account. OR you could end up paying a lot more for your medical coverage.

Here’s the deal: If you haven’t used tobacco products for at least six months or have successfully completed a tobacco cessation program, you qualify for the tobacco-free discount that saves you $660 a year on your new medical insurance premium. BUT you MUST update your status as “tobacco-free” to get the discount. If you don’t take action, $12.69 per paycheck will be taken for your medical insurance, starting July 1. That’s $660 a year, money you could use for car repairs or a much-needed vacation.

Begin by logging into your UPoint account from www.hiibenefits.com or call the Huntington Ingalls Benefits Center (HIBC) at 1-877-216-3222 to get help. You can also get assistance at the Local 8888 union hall. Just stop by.

UPDATE. DON’T PROCRASTINATE!