Welcome to the Jill on Money Podcast and it's a bonus episode. It's that time of year

open enrollment. I did a quick hit on CBS this morning, but if you need more information about

open enrollment just go to our website Jill on money.com

click the read button and you'll get our deep dive into open enrollment for 2020.

In this morning's eye on money, it's decision time for up to 254 million Americans with

open enrollment season in full swing.

Many corporate and government benefit enrollments are

taking place right now but medical costs are rising. The average family paid

about 22% more for health insurance in the last five years.

To help counteract that, we've got CBS News business analyst, Jill Schlesinger.

She's here to help us make the most out of our benefits.

Thank goodness.

Yes.

So here's what you have to do. You have to look back. benefits. Thank goodness. Yes. Yes.

So here's what you have to do.

You have to look back and look forward.

Because you want to look back and say, what did I spend last year on all of my health care?

And that means what did you pay for your annual premium what was that

deductible what were my co-pays then you look ahead what's going to change this year there

are usually three general types of plans there's maintenance organizations, you've got to stay in

the network, there are preferred provider organizations, you have to have some of your doctors

in the network, if you go out of network it will cost more. And there are these high deductible health plants.

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