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Great to have you here on the Clark Howard Show where it's all about you and that wall of

yours. I want you to learn ideas to me so you can keep more of what you have.

And I want to give you an update on open enrollment, which is beginning any day now for many

private employers. Most of us who have the good fortune of having health coverage to an employer

go through these open enrollment periods where you can change your coverage potentially,

your deductibles, what your premiums are going to be, possibly have access to an HSA plan.

And I wanted to tell you one thing a lot of people were worried about earlier this year

is not going to happen and that is there are not going to be big increases in premiums

for employer provided coverage that you would do during employer provided open enrollment

or if you're buying an individual plan and most of the country, you're not going to see

any large increases if you're buying a plan at healthcare.gov or your state equivalent website

for an individual plan. The reason is the costs of providing care for coronavirus

have not changed the math for insurers for a particular crazy reason. You know how earlier this year,

I was talking about people who were not going to their doctor visits and people were even having

heart attacks and they were refusing to go to the emergency room. Well a lot of normal

...