Open enrollment is more complicated—and more important—than ever. In this episode of Take Charge with HELPcare, Lee Aase sits down with licensed insurance expert Kelly Connaughty of HealthMarkets to break down the seismic shifts happening in Medicare Advantage, MnSure exchange plans, and the individual insurance market.

Kelly has great experience guiding individuals and families through the enrollment process, including many HELPcare Clinic members, and he brings a clear, practical perspective to issues affecting Minnesotans this year.

In this episode, you'll learn:

• Why major Medicare Advantage plans are disappearing across SE Minnesota

• How Mayo Clinic’s network changes affect your coverage options

• What rising premiums and the 2026 subsidy “cliff” mean for families

• How recent HSA enhancements open new opportunities to save

• Why Bronze plans now pair better than ever with Direct Primary Care

• Real-life examples of families saving thousands by switching smart

• Why working with a MnSure assister costs nothing—and can save you a lot

Whether you're reviewing your current plan, exploring HELPcare Clinic membership, or just trying to understand your choices, this episode gives you the tools to navigate open enrollment with confidence.

Hosted by:
Lee Aase, HELPcare Founder

Dan Hinmon

Guest:
Kelly Connaughty, Licensed Insurance Agent, HealthMarkets