In some areas of the country, there is no advertising budget to even inform consumers that open enrollment begins, and some people may not even understand that the program is still available.

Some states have taxes that arent obvious but can eat away at retirement savings.

Senator Tom Cotton has what he calls a "modest proposal" for the tax legislation that House Republicans are poised to release on Wednesday: eliminate the Obamacare individual mandate.

Employers are recognizing that open enrollment is one of the few times each year that they get to communicate with all of their employees, particularly in regards to their benefits.