Open enrollment: 5 things to know to save this year (CBS News) Millions of workers are now making next year's open enrollment decisions -- choosing their health insurance and other benefits. But before you make your choices, there are five things you need to know about high-deductible plans, incentive-based wellness programs, flexible spending accounts, parking programs, and dependent care options. Jack Otter, executive editor of CBS Moneywatch, said on "CBS This Morning" you can save a lot of money if you make the best choices for your situation. Find out how in his "CTM" segment in the video above.