Open Enrollment occurs each year from November 1st to December 15th.  This is the time period that people have the opportunity to enroll in a health insurance plan available on the health exchange marketplace.  Most people can access the health exchange marketplace at the healthcare.gov website.   During open enrollment, people can...

There are many great reasons to have health insurance, but there are two reasons we sometimes forget:  Access and Discounts. Often, we get caught up in the amounts of deductibles, copays, and coinsurance.   Or, we are more worried about what services are covered/not covered.  These are very legitimate concerns that need to be...

Do I really need Health Insurance?   It may be tempting to not purchase health insurance, especially, if you are young and/or healthy.  However, you may want to think of health insurance as bankruptcy insurance.  Stuff happens and it can get real expensive real fast.  According to healthcare.gov, a broken leg can cost $7,500...