It will depend on a wide variety of factors. Even if people understand the rules of enrollment, there is the still why/how/when to select the proper plan to fit the situation. Jae W. Oh, MBA, is a Certified Financial Planner(tm), Chartered Life Underwriter(r), and a Chartered Financial Consultant(r). He is the Managing Principal of GH2 Benefits, based in Ann Arbor, MI, with individual and commercial clients nationwide. He is the Chair of the Great Humanity Healthcare Foundation, Inc, a 501(c)(3) organization that provides financial relief to insured persons saddled with medical debt. Mr. Oh has served as expert panelist on a website powered by Humana Inc., one of the nation's largest providers of Medicare plans. He has been the frequent public speaker to large and small groups, including the State Bar of Michigan, colleges, companies, library systems, and senior centers. He is widely quoted in the national media on financial and Medicare topics. He has a Master's Degree in Business Administration (MBA) in Accounting and Finance from the University of Chicago, and a Bachelors of Arts (BA) degree in Economics and Political Science from the University of Michigan, Ann Arbor. email: jae@maximizeyourmedicare.com