It’s not too late – you can still explore your 2016 health insurance plan options and easily enroll in coverage! You have until Jan. 31 to shop the NYSAR exchange for access to affordable, comprehensive health coverage. Remember, you will face tax penalties if you do not obtain coverage. Also, if you miss open enrollment, you will not be able to obtain health insurance until the next open enrollment period unless you qualify for a special enrollment. Shop the NYSAR exchange at http://www.myrealtorinsurance.com/nysar, call USI Affinity’s dedicated sales representative Ned Cox at 888.834.3713 or email benefits@usiaffinity.com for more information.