With the winter season coming soon, comes health insurance open enrollment under the Affordable Care Act. Now is the time to decide if you are happy with your current plan, or wish to make changes and switch plans.

Whichever option you choose, you need to review your current plan in order to help decide which health insurance plan is right for you. This especially rings to when it comes to reviewing your medical expenses. Now is the time to reflect back on the past year and determine how much you paid in deductibles and coinsurance. These amounts will help you to determine if your current plan is the right one for you.

If you feel that you need help determining which health insurance policy is right for you, then seek the help of your insurance agent. They can review the amount you paid out-of-pocket, selecting the best plan for your financial situation as well.

If your medical expenses are low, a high-deductible health plan with a health savings account may save you money. If your employment has changed and you are earning less than in the past, you may also qualify for federal ACA subsidies, which can help to reduce your premiums.

The ACA’s open enrollment ends January 31, 2016, so it is critical that you act now before it is too late. If you are considering making changes to your current health care plan or wish to switch to another plan, be sure to contact Brazelton Insurance Group today!