With the Affordable Care Act Open Enrollment period coming to a close, millions of Americans are facing important decisions about their health coverage, at a time when many families are already feeling the strain of rising healthcare costs. As the January 15th deadline approaches, experts say now is the moment to review options, understand subsidies, and avoid gaps in coverage.

To help break it all down, we’re joined by Kathy Hempstead. She’s a Senior Policy Officer at the Robert Wood Johnson Foundation, where she focuses on health policy and expanding access to affordable, high-quality care.