Diane Faligowski

Open enrollment has a way of arriving faster than expected. Suddenly you’re staring at a list of plan names, premium amounts, and deductibles — and every option looks roughly the same. You pick the one […]

Why the Metal Tier System Matters:  Navigating the health insurance marketplace can feel overwhelming, especially when you’re staring down a list of Bronze, Silver, and Gold plans without a clear sense of what each one

When people sit down to review their benefits during open enrollment, they tend to focus on the big-ticket item: health insurance. It makes sense — medical coverage feels urgent, familiar, and non-negotiable. Dental and vision

Life insurance isn’t a one-and-done decision. The coverage that makes sense when you’re 32 with a newborn and a new mortgage looks nothing like what you need at 58 with grown kids and a paid-off

There’s a strange thing that happens when you turn 64. Suddenly, Medicare — something you’ve been paying into your entire working life — becomes very real, very soon, and somehow very confusing. The mailings start.

Picking a health plan is stressful enough. Then come the follow-up questions: Do I need dental too? What does vision actually cover? Is it worth it if I only go once a year? The short

Ask ten people how much life insurance they have and why, and you’ll get ten different answers — most of them a shrug followed by “I don’t know, it’s what came with my job” or

Let’s be honest: most people don’t choose their Medicare plan so much as they stumble into one. A neighbor recommends something. A TV commercial runs during the news. A family member says “just pick what

There’s a belief that stops a lot of people in their thirties from buying life insurance: the assumption that it’s expensive. That it’s something you’ll get around to “eventually,” once you’ve paid off more debt,