 Hi, this is Tom Wolff, and I have an important reminder about buying health insurance this enrollment season. So many of us forget about health insurance until we need to use it. Life is full of surprises. Insurance helps you prepare for the unexpected, and if you don't have insurance, you may have to pay a penalty to the federal government when you file your taxes. Most people can only shop for insurance during a specific timeframe that occurs once a year, called open enrollment. During open enrollment, you can purchase a new plan or change your insurance plan. Open enrollment for 2016 health insurance coverage began November 1st, and runs through January 31st. But you must purchase by December 15th in order to have coverage that begins on January 1st. If you're in the market for health insurance and unsure about how to choose the right plan for you and your family, the Pennsylvania Insurance Department is here to help. Visit the website below for more information. Thank you.