By Jason Stevenson

Every fall, the leaves in the Salt Lake Valley change colors to signal many things — colder nights, shorter days, and approaching deadlines to purchase health insurance.

Because open enrollment began Nov. 1, now is the time to get serious about researching your options, comparing plans and prices, and locking in health coverage for the coming year.

If you are a freelancer, small-business owner or sole proprietor, chances are you purchase health insurance through the individual market. Unlike your friends and colleagues who gain coverage through an employer-based plan, you must hustle to buy your own health insurance each year.

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