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September 4, 2015 - In This Issue:
Special vs. Open
With the passage of Health Care Reform and the Individual Mandate effective 1/1/2014  there was a change in the opportunity for individuals to obtain Individual insurance.  The only time you may change insurance carriers, plans  or purchase an individual policy is the open enrollment time period which will begin November 1, 2015 for a January 1, 2016 effective date.  
  However,  if you have a life changing event that qualifies for a Special Enrollment Period, there may be an opportunity during the year to secure coverage.  Below is a listing, not meant to be all-encompassing:
   - Marriage
   - Birth of a Baby or adoption
   - Moving geographic areas
   -  Loss of coverage
        o Loss of dependent status
       o Termination from a group plan
Your window is generally 30 days from the date of the event.  If you have a life event and question your coverage options, do not hesitate to call us.  If you're interested in looking at different alternatives for 1/1/2016 open enrollment season, we want to help.  Reach out to us and we'll chat through your specific needs.  
Wearable Technology
Track your activity, sleep, and more

What is the best activity tracker for runners? Swimmers? What is the best device to track your heart rate? Are you limited to a budget of under $30? features the Best Fitness Trackers 2015 and breaks down each one to a specific category. Find out which tracker is best for you.

Health Savings Accounts
Save money for health expenses
Health Savings Accounts (HSA)are growing in popularity for good reason.  The insurance placement that affords the opportunity to open a Health Savings Account at your local bank is often lower premium and is designed to help consumers increase awareness of the cost of healthcare and to use health dollars wisely.  This is accomplished by knowing and understanding your insurance plan including what benefits may be included in your Wellness Benefits.  Using your Annual Wellness Benefit gives us the peace of mind that we're 'in check' and of course we all know that early detection is the key.    
So your Health Savings Account  is designed to save money for that higher deductible insurance plan.  For many, we don't know when we may have a future medical expense so it becomes a 'Rainy Day Fund'---but it's better than that.  Deposits into this account are tax free!  Unused balances grow year over year tax free.  Look at this handy resource as a quick reminder of HSAs.  If you're looking for even more info on whether or not this style is for you, please don't hesitate to contact us for insurance quotes or your accountant for tax questions.  Other great resources can be found on and
Golf, Memory and Food Cravings
New York Times
golfer.jpg Burning calories, heart problems, aging and memory. Who knew one quiz packed this much information.
Take this quiz  and get links to other articles including "As We Age, Keys to Remembering Where the Keys Are."
Daphne Oz's Roasted Cauliflower Grilled Cheese
  • 1 medium Onion
  • 3 tablespoons Olive Oil
  • 1/4 small head of Cauliflower
  • Sea Salt and fresh-cracked Black Pepper  
  • 2 slices Whole-Grain Bread
  • 2 ounces Aged Cheddar Cheese (shredded; about 3/4 cup)
  • 1/2 tablespoon Butter  

    View the video and step by step instructions  here!

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    "It's not your salary that makes you rich,

     it's your spending habits."

    Suze Orman