Open Enrollment Changes, CD Ladder Strategy, and Financial Q&A

Open Enrollment Warnings and Changes

• ⚠️ Open enrollment for health coverage is approaching, with significant changes expected for both employer-sponsored and individual plans in 2026.
• 📈 Premiums are increasing due to new laws passed by Congress, leading to cost-shifting from employers to employees and higher costs for individuals.
• 🚨 A major warning is issued about fake health insurance plans, often disguised as health reimbursement arrangements, which offer low initial costs but provide no coverage for serious illnesses.
• 🔍 Individuals buying coverage must be vigilant, as sleazy semi-insurance plans may appear on the marketplace, requiring more detective work to discern real coverage.
• 💰 Some employers may offer a set amount of money for employees to shop for their own health coverage, providing more freedom but requiring greater diligence in understanding plan details.

CD Ladder Strategy for Idle Cash

• 📊 With interest rates uncertain due to economic concerns like stagflation, a defensive strategy for savings is recommended.
• 🪜 The CD ladder strategy is revisited as a relevant approach for