Two-thirds of bankruptcies in America involve medical debt. The right health plan isn’t a luxury — it’s protection. getty

Every fall, open enrollment arrives with its usual fanfare of choice: dozens of plans, glossy brochures, and promises of access. But scratch the surface and you’ll see that most “options” are just variations of the same puzzle. Insurers continue to toggle the same three levers — premiums, deductibles, and networks — and present them as innovation.

The result? A marketplace that feels more like a shell game than a menu of possibilities. Narrow networks often mean consumers can’t actually see the doctors they want. In rural areas, the choices shrink even further. And this year, there’s a looming complication: the enhanced ACA subsidies that kept coverage affordable fo

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