How Will Healthcare Changes Affect You?

It's a complicated issue, but you can't afford to avoid it.

DAVE'S eNEWSLETTER October 2013 | DAVERAMSEY.COM | View this email online? Click here. | Forward to a friend

October traditionally marks the beginning of open-enrollment season—your annual opportunity to choose healthcare coverage from the options provided by your employer. But selecting the right health insurance can be confusing—even frustrating. This year may be even more challenging because many of the most sweeping changes brought about by the Affordable Care Act (ACA), President Barack Obama's signature healthcare reform legislation, are about to go into effect, and no one knows for sure how it will all work out. Based on what we know about the law, however, we can make short-term projections about some of the changes people will encounter. In this article, we'll focus on workers who have insurance through their employers and those who do not. Budget For October You've been working on your month-to-month spending for almost a year now, so don't let these late expenses break your momentum. Learn How to Handle Your Money and Secure Your Future! You can beat debt and change your future. You just need a plan. Financial Peace University is that plan. Find a Class Now. Daveramsey.com Month in Review • The Envelope System Explained! • 5 Ways to Pay For College Without Loans • Surprising Your Spouse (When They Know the Budget) • The Dave Ramsey Show: Watch Now! Dave's Money Tools Other Great Tools Get recommended percentages for your spending and keep on the right track with the Gazelle Budget tool! Learn more! The Debt Snowball Investing Calculator Mortgage Calculator More Money Tools Get Plugged In! Where's Dave? Employment Opportunities New Radio Station Affiliates Where's Dave? The Legacy Journey LIVE! October 10, 2013 – Tulsa, OK October 17, 2013 – Spokane, WA November 14, 2013 – Greenville, SC November 21, 2013 – New York, NY Total Money Makeover LIVE! October 5, 2013 – Presented by Rachel Cruze – South Bend, IN October 12, 2013 – Presented by Rachel Cruze – Champaign, IL October 26, 2013 – Presented by Andres Gutierrez – Odessa, TX November 2, 2013 – Presented by Chris Hogan – Huntsville, AL November 16, 2013 – Presented by Chris Hogan – Baton Rouge, LA EntreLeadership 1-Day October 9, 2013 – Colorado Springs, CO October 16, 2013 – Los Angeles, CA November 13, 2013 – Birmingham, AL EntreLeadership Master Series November 3–9, 2013 – Nashville, TN Want to bring one of Dave's speakers to your group or event? Find out how. Find a station near you! There are more than 500 affiliates nationwide. New Radio Affiliates City and State Radio Station Air Times Vernon, OH WMVO-AM 1300 M–F, 3–6 p.m. ET Jefferson City, MO KWOS-AM 950 Sunday, 7–9 a.m. CT Columbia, MO KFAL-AM 900 M–F, 1–4 p.m. CT Columbia, MO KSSZ-FM 93.9 Saturday and Sunday, 12–2 p.m. CT LaSalle, IL WZOE-AM 1490 M–F, 4–7 p.m. CT Ft. Myers, FL WGUF-FM 98.9 M–F, 2–4 p.m. ET

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