Are you struggling in order to pay premiums on your Cobra or individual health insurance plan? I was unaware there is help for people who are above the poverty level of $14,000 annual income. Some of the scenarios include: unemployed or under-employed; people who are laid off and are too young to retire; people who began receiving reduced benefits from social security between ages 62 and 65 and are too young for Medicare. Before you drain your savings, cash in life insurance policies, take the penalty for early withdrawal of retirement funds, or sell your home, try the Marketplace.

Open enrollment for health insurance through the marketplace is Nov. 1 to Dec. 15. I needed help navigating the healthcare.gov website; visiting Nurse Services of Iowa offers free, confidential assistance with the enrollment process.

Jennie Prescott, Mason City

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