Usually most of my clients are experiencing a change sometimes good or sometimes not so much. Change like a divorce, a death, retirement before age 65, job change etc. Dealing with a health insurance change can be overwelming during this period.  I try and make sure we explore all their options and help them find the one that best fits their needs and budget. I make sure they have my phone number in their phone along with my email address and assure them they can contact me anytime for assistance.