Here you go again: enrollment, renewals. It’s that time of the year when seniors need to figure out how to save on their healthcare costs. It is a lot more challenging this year than ever before.

The first thing all seniors need to remember: they have nothing to do with the marketplace insurance and exchanges. Those are for the younger people. Run away from anybody offering you marketplace healthcare coverage!

Your Medicare is likely to cost you more in 2014 and there are many options to choose from. Read more about Medicare plans, coverage gap, or “doughnut hole”, in Part D and other healthcare fun of the season.