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Hey, your money briefing listeners.

This is J.R. Whelan.

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Here's your money briefing for Friday, November 3rd.

I'm J.R. Whalen for the Wall Street Journal.

It's November, and for millions of workers, that means it's open enrollment season, when

they select company-provided health benefits for next year.

But all the choices, all the rates, and all the deductibles can result in lots of confusion.

One of the biggest mistakes I see is over buying a plan, making the choice of taking the most expensive plan,

thinking this is the plan that's best for you.

So now you've spent all this money on premiums

and you only went to go see the doctor twice.

We'll discuss the best ways to approach open enrollment,

as well as important benefits people often overlook.

...