Scarier than Halloween: Open enrollment. Here’s how to save money, even with health insurance premiums at a record high.

It’s that time of year again, when signs pop up in offices across the country, exclaiming “Open enrollment!” — as if making annual health insurance choices were just another fun fall activity, like eating pumpkin-flavored doughnuts or buying matching gloves and scarves.

But open enrollment is a serious — and expensive — matter.

Read more to see what Chad Schneider, senior director of channel sales at Jellyvision, has to say about open enrollment money-saving techniques.