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In focus tonight open enrollment.
It's a one time this year you can make changes to your health insurance for 2013.
And what you don't know could cost you.
With important tips on making the best decision for you when your family Bob Hurley senior vice president of the Bob thanks for coming on the show.
I look most people pay no attention to this or very little but that's a mistake you say what kind of changes will people see -- -- But Jerry of course they get the federal government is actually gonna mandate what you look at at the kitchen table this year so all of the products.
Comparisons sheets that they.
Employers are gonna put out this year.
Are gonna all look the same -- -- build it quickly compare your plans side by side that both the benefit substance as well as the -- of the plants I think that's a good thing for most families.
Now when you look at the changes because there are always changes usually the changes are -- getting less and paying more is that what's going on -- share.
I think the same will continue in fact.
You know one of the benefits of obviate CA is that anybody under 626 years old can -- their parents plan so I think that's a benefit for a lot of the young people.
You know we're going without health insurance before but I think that the idea that you wolf.
Pay more and get less is probably still that still going to be the case this year deductible are gonna be going up.
You can manager costs by managing those deductibles -- -- -- he can afford to.
So I think there are still going to be a lot of options.
For you when you go to open -- -- this year.
Our employees can't make change employees that is can make changes outside of the open enrollment period.
But only for qualified events out if you don't make the right choices this fall in in October which is when I open enrollment is for most folks.
-- -- make changes otherwise.
Well the good news is if you get married to which should be happy moment in your -- you can certainly make it change your plan that -- -- new spouse certainly if you get divorced at the same would hold true.
And then if you have children you know my outside -- I'll call may eighteenth two Fridays ago and he was very concerned is he now has a new child who put on is -- on his health plan.
And so he was wondering what plan would be best that have the doctor that he wanted to -- cover his child so.
That was a perfect event for handed -- to be able to make a change who has plans and that of course.
If you change jobs or move out of the area you can make those changes as well there are some of the biggest.
I think some of the biggest changes -- gonna come next year with the Affordable Care Act kicking kicking in.
Right or settle on -- funds.
I'm Robert we're gonna have to leave it we're we're out of time I apologize we'll have to have you back thanks for coming on tonight in talking about the changes -- People -- really gonna have to pay attention to this it's very important Robert thank you.
Thank you --