In this insightful discussion, guests Kate Ashford, a certified senior advisor in Medicare and retirement, and Tina Orem, a NerdWallet tax expert, break down the open enrollment process. They simplify the intricacies of different healthcare plans like HMOs, PPOs, and HDHPs, discussing how to assess personal needs and budget effectively. They also explain the tax advantages of Health Savings Accounts (HSAs) versus Flexible Spending Accounts (FSAs), helping listeners navigate the complexities of selecting the right healthcare coverage.