When I've explained to people that under the Affordable Care Act there will be ONE annual enrollment period for buying or changing individual health insurance, many think that the rest of the year I'll be sitting with my feet propped up on the desk popping bon-bons.

Uh, no. Even if I were so inclined, that's not gonna happen! I will be busy helping people get health insurance all year round because of a phenomenon known as Life Happens. And when "life happens," it often creates eligibility...
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