Before I start, apparently last week’s Tip struck a chord with many of you. Thanks for your kind comments.

OK. So, this week (12/15) marks the end of another Open Enrollment Period; when individuals under age 65 who don’t get coverage through an employer, can buy or change plans, without regard to pre-existing conditions. Learn more here.

Here’s a sampling of just three policies we sold on Friday:

• Ed is 62 and estimates he’ll earn a little over $70K in 2021 therefore, he’ll pay the full premium; i.e., no Obamacare tax subsidy. His $6,750 deductible plan will cost $865.68/month.
• Noel is self-employed and 49. His MAGI - Modified Adjusted (after business expenses) Gross Income - is just $20K. He’ll qualify for tax credits and CSRs; i.e., cost sharing reductions of deductible and co-pays.  He ended up with a $750 deductible plan with a monthly premium of $199.70.
• With only $15K of income, 37 year old Joe did even better. His $250 (CSR) deductible plan cost just $17.79/month.

Eat your heart out, Monte Hall.