The Health Insurance Workbook: Your Secret Weapon for Open Enrollment
Open Enrollment is coming. And if you’re like most people, your gut reaction is somewhere between “Ugh, not again” and “Maybe I’ll just click the same plan as last year and hope for the best.”
But here’s the truth: that’s how people end up overpaying thousands of dollars for coverage that doesn’t even fit their needs.
The system is complicated on purpose. The jargon, the fine print, the endless options — it’s designed to overwhelm you into settling. And most folks don’t have the time or energy to untangle it.
That’s why I created The Health Insurance Workbook.
It’s not just a workbook. It’s a tool that puts you back in control of one of the biggest financial decisions your family or your business will make this year.
Why a Workbook? Because Winging It Costs You.
Every Open Enrollment, I watch people make the same costly mistakes:
They only look at the monthly premium instead of the deductible, out-of-pocket max, and copays.
They forget to factor in life changes (new baby, kids aging off coverage, income shifts).
They panic-pick a plan in the last week without comparing alternatives.
Sound familiar?
Here’s the thing: health insurance isn’t guesswork. But when you don’t have a process, that’s exactly what it turns into. A workbook gives you that process.
It forces you to pause, organize your info, and make choices with clarity instead of chaos.
What The Health Insurance Workbook Actually Does
Inside, you’ll find fill-in-the-blank pages and checklists that guide you step by step:
Household Snapshot: List your doctors, prescriptions, and family needs in one place. No more forgetting that your kid’s specialist isn’t in-network.
Income + Life Changes: Space to track changes that affect subsidy eligibility or plan rules.
Plan Comparison Charts: Line up premiums, deductibles, networks, and copays side by side. Seeing the numbers in black and white makes it a lot harder to get tricked by a “cheap-looking” plan.
Notes + Questions Section: Capture the things you want to ask your agent or HR before you’re on the spot.
It’s like having a personal CFO for your health coverage — except you’re the one holding the pen.
Why It Matters Going Into 2026
Let’s be real: 2026 is going to be brutal. Expanded ACA subsidies are set to expire, which means premiums are projected to jump 75% on average (and even higher in some states).
If you’re not organized going into Open Enrollment this year and next, you’ll feel that hike twice as hard.
The families and small businesses that come out ahead will be the ones who:
✔️ Already know their numbers
✔️ Already compared their options
✔️ Already budgeted for changes
The workbook is how you become that person. Prepared. Savvy. Non-procrastinating.
For Families: Less Stress, More Clarity
Imagine walking into Open Enrollment with:
Your doctors and prescriptions already listed.
A side-by-side chart of your top 3 plan options.
A running total of what each plan really costs (not just the monthly premium).
That’s the difference between hoping you guessed right and knowing you made the smart choice.
For Small Business Owners: Smarter Benefits Without Breaking the Bank
If you’ve got a team of 2 to 25 employees, benefits are one of your biggest headaches. Full-blown group insurance can feel impossible, but offering nothing means turnover, frustration, and lost talent.
The workbook helps you map out:
What you can realistically budget
Which supplemental or voluntary benefits make sense (some starting at $150/employee)
How to compare level-funded or defined contribution options side by side
It’s not just about health coverage. It’s about protecting your business’s bottom line and keeping your people loyal.
The Insured AF Reality Check
Health insurance is confusing because it’s meant to be. But confusion doesn’t have to cost you anymore.
The Health Insurance Workbook isn’t sexy. It’s not a magic app. It’s paper and pen. But it works because when you write things down, you see the patterns, you catch the details, and you make smarter decisions.
This Open Enrollment, you don’t want to be the person who panics, guesses, or procrastinates. You want to be the person who’s prepared, confident, and in control.
That’s what the workbook gives you.
Final Word
Open Enrollment doesn’t have to be chaos. It doesn’t have to feel like a scam. And it doesn’t have to drain your wallet just because the system is designed to confuse you.
👉 Grab The Health Insurance Workbook today and step into OEP like the prepared, savvy person you want to be.
👉 Pair it with The Complete Health Insurance Solution book if you want the full guide + the tools to apply it.
📘 Learn it.
📓 Apply it.
💪 Be the one who beats the system instead of getting steamrolled by it.
TL;DR
Open Enrollment is stressful because the system is designed to confuse you.
Most people lose money by guessing or procrastinating.
The Health Insurance Workbook organizes your doctors, prescriptions, and plan comparisons so you make smarter choices.
It’s a low-tech tool with high-impact results.
The people who win in 2026 will be the ones who prepared — not the ones who panicked.
👉 Get the workbook now on Amazon and go into OEP with confidence.
