BECAUSE OF SOME PRELIMINARY RALES, LOTS GOING ON THIS MORNING, JIM, BACK TO YOU THE TIME OF YEAR MANY OF US DREAD, OPEN ENROLLMENT TIME WHEN YOU PICK YOUR INSURANCE PLAN FOR THE NEXT YEAR IF YOU GET IT THROUGH THE AFFORDABLE CARE ACTA LOT OF MISSION INFORMATION, SO TO SORT IT ALL OUT, JOINING US KEVIN, HE CAN TERRIFIC EDITOR OF CONSUMER CHECKLIST

GOOD MORNING FIRST THING FIRST A LOT OF FOLKS THINK THE AFFORDABLE CARE ACT, WHAT'S KNOWN AS OBAMACARE WAS REPEALED AND OFF THE HOOK FOR BUYING INSURANCE NO, STILL INSURANCE MANDATE SO IF YOU ARE COVERED UNDER THE INSURANCE, UNDER THE FEDERAL INSURANCE PLAN, LAST YEAR, SIGN UP THIS YEAR OR YOU'LL GET A PENALTY IT CAN BE QUITE STEEP THEY TAKE THAT OUT OF YOUR TAX RETURN? SOMETHING THEY SETTLE UP WITH YOU

IN THE PAST, ADVERTISING, REMINDING PEOPLE TO SIGN UP, HELP THESE FOLKS SIGN UP NOT NECESSARILY THE CASE ONE THING THEY'VE DONE, KIND OF TRY GET PEOPLE TO NOT SIGN UP FOR INSURANCE, THEY REMOVED A LOT OF THE OUT REACH , ADVERTISING, ANOTHER THING THEY SHORTENED THE ENROLLMENT PERIODS YOU NOW HAVE ONLY UNTIL DECEMBER 15TH, TO SIGN UP FOR NEW PLAN IF YOU DON'T ON THE INSURANCE LAST YEAR, FEDERAL EXCHANGE LAST YEAR, THAT PENNSYLVANIA EXCHANGE LAST YEAR THEY'LL SIGN UP FOR A PLAN, BUT SOMETHING YOU REAL DOW WANT IT CONTROL ON YOUR OWN

THE PENNSYLVANIA DELAWARE- NEW JERSEY? DECEMBER 15TH SO, SAY I LIKE THE COVERAGE THAT I'VE HAD IN THE PAST, WHETHER I'M ON THE EXCHANGE OR NOT, SHOULD I STILL SHOP AROUND? EVEN IF YOU DID YOUR HOMEWORK LAST YEAR, SAY YOU FOUND LOW COST PLAN, PLAN THAT WORKS WELL FOR YOU, YOU SHOULD STILL SHOP AROUND BECAUSE THINGS HAVE CHANGED SO MUCH IN TERMS OF COST THE COST FOR SOME PLANS HAVE GONE UP A LOT AND FOR OTHER PLANS NOT SO MUCH STILL A LOT EVERY MONDAY I TO BE SAVED EVEN IF WHAT WAS LAST YEAR GOOD LOW COST PLAN

I HEARD PEOPLE'S PREMIUMS GO UP 30% YES, AND YOU SHOULD DO THIS EFFORT EVERY YEAR SEEMS LIKE OTHER WILL TAKE ME DAYS TO FIGURE OUT AND IF YOU USE OUR TOOL OR IN NEW JERSEY, OR DELAWARE, PRETTY ACCURATELY YOU KNOW ESTIMATE WHAT YOUR COSTS WILL BE WHAT SHOULD I BE COMPARING? EVERYONE LOOKS AT THE PREMIUMS THIS IS MISTAKE MOST CONSUMERS MAKE OH, THIS IS WHAT IT WILL COST ME PER MONTH THAT'S WHAT I'M GOING TO BASE MY DECISION ON, MAYBE LOOK AT THE DEDUCTIBLE, BUT THE THING IS THOSE LOTS THAT GO INTO WHAT YOU PAY DURING THE COURSE OF THE YEAR FOR INSURANCE, HOW MUCH OF THE CO-PACE FOR YOUR PRIMARY CARE DOCTOR VISIT SHOULD FACTOR IN, HOW MUCH YOU PAY FOR SPECIALTY CARE FOR HOSPITALIZATION FOR ER'S SO IF YOU NEED TO COMPARE DOZENS EVERY PLANS, IT IS TOTAL PAIN TO SIT THERE AND GO THROUGH A DOZEN OR MORE PLAN BROCHURES, AND TRY TO FIGURE OUT WHAT ALL OF THE COSTS ARE, ESTIMATES WHICH YOU AND YOUR FAMILY WILL HAVE TO PAY, THAT'S WHY CHECKBOOK

ORG HAS BUILT THIS SECOND SITE FOR PENNSYLVANIA, ALSO SIMILAR ESTIMATE THEIR IS ON FOR NEW JERSIANS AND DELAWARE NOW IF I GO TO ANOTHER WEBSITE PACHECKBOOKORG

WHAT WILL THE TOOL ALLOW KNEE DO? WEIGH WOULD DO, WE HELP YOU BUY NOT JUST LOOKING AT THE MONTHLY PREMIUMS, BUT, YOU KNOW, ESTIMATING FOR YOU AND YOUR FAMILY WHAT YOUR COSTS ARE GOING TO BE FOR ALL OUT EVERY POCKET COSTS, SO FOR CO- PAYMENTS, FOR DRUGS THAT YOU NEED TO BUY, IF YOU KNOW YOU'RE GOING TO HAVE A BABE THINK YEAR, WE ESTIMATE THAT IF YOU HAVE CERTAIN MEDICAL CONDITIONS, KNOW YOU NEED CERTAIN TYPES OF SURGERIES, WE THROW THOSE IN ALSO SO, WE'RE COMPARING YOUR TOTAL COST, NOT JUST THAT MONTHLY COST, WHICH IS IMPORTANT, BUT ALL OF YOUR COSTS DURING THE COURSE OF THE YEAR, WE FIND HUGE, HUGE DIFFERENCES, AMONG THE DIFFERENT PLANS, I MEAN, JUST, JUST SITTING HERE, WHILE WE WERE WAITING YOU KNOW, I PUT MY FAMILY IN, AND FOUND THAT WE WOULD SAVE $10,000 FOR THE YEAR, IF WE PICK A LOW COST PLAN COMPARED TO HIGH COST PLAN AND I'M NOT TALKING ABOUT COMPARING PLAN WITH REALLY LOW COVERAGE, A CADILLAC PLAN, TALKING SILVER LEVEL PLANS, HUGE PRICE DIFFERENCES WE WILL POST THE LINC ON THE SITE

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