Health insurance isn’t just about covering doctor visits and prescriptions—it’s about protecting your financial well-being, ensuring access to timely care, and avoiding catastrophic out-of-pocket costs. Yet, for many Americans, understanding the ever-changing world of health insurance can feel like learning a foreign language.

Whether you’re approaching retirement, changing jobs, navigating Medicare, or exploring private plans, making the right choices now can have lasting consequences. This guide walks you through the options available and the key decisions that will affect both your health and your finances.

Having a specialist by your side isn’t just helpful—it’s essential. Let’s explore why.

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