BALDWIN—For those worried about the cost of health insurance on the Marketplace, there are options to help people with subsidies to cover costs.

Family Health Care has enrollment specialists at each of its offices to help people understand their options so they can make the best decision for individual health care needs and income.

HealthCare.gov has tools to help people easily compare plans based on their doctor, the medications they need covered and the out-of-pocket costs they’d pay.

Help also is available in person by contacting a Family Health Care Outreach Enrollment Specialist directly at (231) 745-4624 in Baldwin to make an appointment. These qualified people are trained to help people identify what they need and what might be the best choices for them.

The Marketplace Call Center (800)-318-2596, open 24 hours a day and seven days a week, in more than 150 languages.

As most know, a lot can change year to year. Every new open enrollment gives people a chance to see if they can find a better plan – or a lower monthly premium. Many people will qualify for tax credits this year even if they didn’t during the last Open Enrollment.

Life isn’t always predictable. Accidents happen, and we all get sick.

Health coverage keeps you protected – both in your health and your wallet. Many young people may not realize that more than nine in 10 Marketplace-eligible young adults without health insurance have incomes that could qualify them for tax credits that make coverage more affordable than they think, including preventive services at no out-of-pocket cost.

There’s one thing that’s predictable, though. If a person stays uninsured, they could face fines and penalties come tax time.

Open Enrollment runs from Nov. 1 through Jan. 31.