If you’re currently uninsured or are unhappy with your insurance plan, the time to change your plan is coming up. Open enrollment for government-sponsored health care plans begins on November 15 and continues through February 15. This is a chance to change your insurance or enroll for the first time. The penalties for not signing up for health care increase this year, so it’s important to find out what your options are.

Visit Healthcare.gov and learn what your options are. You may be eligible for Medicaid under the recent expansion or a rebate. If you find the website confusing, there are people who can help you.

Health care reform means that individuals now can have physical health, mental health and substance abuse treatment covered.

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