October here is here already and that means it's time to make sure you enroll in health insurance and everything else that goes with it for 2024. We're talking life insurance, hospital indemnity plans, disability. It can all be overwhelming. For instance, should you go with a high-deductible policy and if so, what are the risks? Remember, the decisions you make now will be in place for all of 2024.

To break it all down and to figure out what's right for you, we're talking to Darin Reeser, who's with Securian Financial. He'll help all those hard to make decisions a little more understandable before you officially sign up.