Perhaps the most crucial period that you will ever have yearly during your employment in any given company is during open enrollment health insurance time. With the rising costs of everything nowadays and the stagnant salaries, it is very important for everyone to have health insurance. Health is wealth, they say, and there is a lot of truth in this. No amount of money can ever compete with having a healthy body, and if one is not healthy, it is very expensive to have medical needs. For people who are employed and have health insurance as one of their benefits, it saves them the headache of looking for money or of having to get a substantial amount in their savings and just a lot them to medical bills and other related expenses. Given these facts, it is very important that the right type of health insurance with the best possible medical coverage is picked during open enrollment period.