Q4 2026 OTC Benefit Guide: October to December Shopping Strategy

Your Final Quarter Benefit

Q4 is the last chance to use your 2026 OTC benefit before it resets January 1. Plan purchases for flu season, cold weather, and stock up before benefits expire.

Flu Season Essentials

• Cold and flu medicine: Stock up in October on daytime/nighttime formulas, lozenges, cough suppressants
• Vitamin C and zinc: Start immune support now with a 90-day supply
• Hand sanitizer: Extra bottles for holiday shopping and family gatherings
• Digital thermometer: Replace batteries for accurate readings during sick season

Cold Weather Health

• Heavy moisturizer: CeraVe or Eucerin cream for dry winter skin
• Heating pad: Electric pad for arthritic joints in cold weather
• Lip balm SPF: Protect against cold wind and winter sun

Year-End Strategy

• Check balance in December: Unused funds expire December 31
• Stock up on dailies: Vitamins, pain relief, personal care stretch into Q1
• High-value purchases: Blood pressure monitors and humidifiers last all year