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<p>In addition to wrinkles and graying hair, getting older brings on a less-visible change: diminished cognitive abilities, from simple math to making investment decisions, which can have a big impact on finances.</p>

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<p>Have you talked to your loved ones about health insurance lately? Getting covered has important benefits – like keeping you healthy and protecting you from medical costs – so take the time this holiday season to talk to your family and friends about getting covered, and tell them it’s important to you that they do. Remember, Open Enrollment ends February 15, 2015, so it’s important to act fast!</p>
<p>Here are the top five things you need to know:</p>