Fall is typically the time of year that the open enrolment period' for medical insurance begins at many companies. Health insurance professionals remind us that for your family's heath and well being, it may be a good time also to reassess your health insurance needs. Under 'open enrolment periods' employees are offered the option of keeping their current health benefits or switch to another, perhaps more affordable medical insurance plan. A lot can happen in the span of one-year. But health insurance eperts say that most people only take a cursory look at their medical insurance plan, maybe only spending about half an hour, or no time at all, reviewing their healthplan and then wind up just renewing the health coverage they already have. The eperts agree that this can sometimes be a big mistake. Failure to take into account the changes that may have occurred in your family and financial circumstances over the past year can end up costing you money. More importantly it can also find you with less than adequate medical coverage. Have you purchased a home or do you have other newly acquired assets that need protecting? Have you gotten married, divorced, dad children,or had children move out? All of these life-changing circumstances can have a major impact on your health insurance needs. It is a given today that from one year to the net if you have employer-sponsored Small Business, the cost will rise. How much more you will pay will depend on the choices you make. So health insurance eperts advise that you become educated. Understand all of your options and if there is something you are not sure about on your company's health insurance offerings, speak to your benefits advisor. It is important that you make some decision during a company's open enrollment period if it has one. Even if that is just to select to continue with your present medical insurance coverage. In some companies if you make no choice at all, you will just continue with your present coverage. However in other companies, if you do not make any kind of choice the company is free to move you into a health insurance plan of their choosing, and it may not be one of your liking.'