GREAT FALLS As the government shutdown continues, many Americans are left wondering how it will affect their health insurance coverage. The topic can be intimidating, with rising costs and convoluted policy terminology, but local experts are helping simplify it.

My father started in the insurance industry in 1959. He founded Bern Insurance with a partner in 1996. Our family has been providing health insurance and answering complicated health insurance questions for 55 years, said David Bern, president and co-owner of Bern Insurance in Great Falls.

Quentin Shores reports - watch the video:

According to Bern, the core of health insurance is risk pooling, which involves a broad number of individuals contributing to a pooled fund that covers the few who have major medical crises.

If there'

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