SALT LAKE CITY — Open enrollment for health insurance is officially underway, and this year it’s happening during a federal government shutdown. Whether you’re covered through your employer or using the Affordable Care Act, experts say now is the time to review your options — not simply auto-renew.

“Look at your benefits. Make sure you understand what you’re signing up for,” said Alex Hargrove, an individual account manager at Select Health.

Hargrove said these plans change every year — from monthly costs to prescriptions — which means what worked for you before might not be the best fit for 2026.

“Your situation might be different. Maybe you’ve had an addition to the family — a child — or maybe you’ve changed jobs, or maybe you have a condition that you didn’t have the year before. So

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