The fall season is also health insurance seasons for many Kentuckians. Open enrollment begins to secure coverage for the upcoming year. A top official with UnitedHealthcare Kentucky has some tips on navigating the choices that must be made in the coming weeks. UnitedHealthcare Of Kentucky’s Paul Brophy calls this an important time of year. He says many people make the mistake of waiting until the last minute to make health insurance decisions, then rush to get it done.

He said “It’s incredibly important that people really take the proper time to dig into details and to look at all the options that are available to them.”

A recent UnitedHealthcare survey found just seven percent of Americans understand the four basic insurance concepts. Premiums, deductibles, co-insurance and out-of-pocket maximums. Brophy says most employers help employees navigate open enrollment and online resources like uhc.com/healthcare ABCs can help. He says plans with financial incentives to get active or improve key health indicators are growing in popularity.