The friendly folks from Consumers Checkbook, a nonprofit that rates local service providers, talk us through their benefits calculator. For some agencies, access is provided for free. If  you don't work for a part of the federal government that offers it, you want to sign up, you can save 20% by using the code "fedupward." For less than $20, you can take the  pain out of deciding which healthcare plan suits your family's needs. Open season starts November 8th. Be ready! Sign up here: https://www.checkbook.org/newhig2/hig.cfm

This is NOT an ad. Consumers Checkbook didn't pay me to have them on the podcast. I heard great things about the site and asked them to talk about it so you can take advantage of this tool.