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hello hello ladies and gents it is so good to have you here today it is going to be a great topic for you federal employees it is going to be about your fvhb your federal employee health benefits your health insurance that you have through the government now i know and i know for myself i know for all of us changing health insurance is not a fun thing its not something that we do all the time because in general health insurance is very sticky meaning once we make a decision were very were much less likely to change that decision to go to go to a different plan go to a different company because its a pain it takes a lot of work but hopefully after this conversation you might see some of the some of the good things that might come from not assuming what you have is the best for you by taking a chance doing a little research to know okay for me what makes the most sense now and then moving into retirement so lets dig right in so a lot of this content that im bringing to you is from