The holidays are an exciting time to visit with friends and family, enjoy favorite traditions, and celebrate the change from one year to the next. While joining in all the festivities, remember

If you are one of the uninsured or underinsured, perhaps an easy initial answer came to mind when reading that question. Say it’s “get physical therapy for the shoulder that’s been bothering you since lifting a too-heavy box while moving this summer.”

It’s almost that time of year again -- open enrollment for your health insurance plan. If you’re an employer or employee, you are probably already sending and receiving memos about it!