Open enrollment time is here - a brief window for Michiganders and folks nationwide to update their health insurance choices.

Healthcare experts emphasize the important tips to remember when evaluating a health plan, such as making sure your doctor is in-network to avoid big out-of-pocket expenses. Also, many healthcare plans reward you for making healthier choices, like completing health assessments and avoiding nicotine. And if you're on Medicare, some Medicare Advantage plans include gym memberships.

Alyson Ramos, a Medicare specialist with the Valley Area Agency on Aging in the Flint region, provides one key update for Medicare enrollees.

"For prescription drugs, there will be an out-of-pocket maximum, that's the first time that's ever happened. That out-of-pocket maximum will be $2,000," she said. "So, they have had out of pocket expense before, but it was, 'Pay into it this much, and then you'll reach the cap.'"

Also, open enrollment dates vary. Medicare is Oct. 15 to Dec. 7. Employer-sponsored plans typically allow changes for several weeks between September and December. And open enrollment in the Health Insurance Marketplace plans runs Nov. 1 to Jan. 15 in most states.

While many focus on finding a plan that supports their physical health, experts stress that it is crucial to ensure strong mental health coverage, as well.

Dr. Rhonda Randall, chief medical officer for UnitedHealthcare Employer and Individual, said there's a growing interest in mental health care and it's best to look for plans that offer a variety of options.

"Things that range from self help, digital services, virtual behavioral health visits with licensed mental health professionals, maybe coaching associated with that, as well as your more traditional in-person behavioral health visits," she said.

Randall noted virtual care is popular across all age groups - and some plans even offer virtual behavioral health services with zero co-pay.

The Episcopal Health Foundation wants Texas lawmakers to make health a priority during this legislative session.

The nonprofit focuses on the nonmedical drivers of a person's overall health, such as economic status, health behaviors and safe neighborhoods where people can exercise.

Ann Barnes, president and CEO of the foundation, said they would like to see legislation on maternal health, food security and diabetes prevention.

"These are health conditions that affect low-income populations and communities of color," Barnes pointed out. "We are looking for opportunities to support legislation that improves those outcomes."

Barnes noted during the last legislative session, lawmakers passed bills that approved Medicaid screenings for nonmedical factors that influence health and for doulas to serve as case managers for pregnant people. She looks forward to having those bills implemented.

A recent survey by the foundation found nearly half of adults in Texas say they live in a household experiencing diabetes or prediabetes.

Barnes argued not addressing the problem puts an economic strain on the entire state.

"Between $6 billion and $8 billion, that's billion with a B, is spent on the treatment of diabetes through the Medicaid program," Barnes emphasized. "That is about a quarter of all dollars spent on adults on Medicaid."

She added health care only affects about 20% of a person's overall health. The other 80% is determined by their environment.

The Los Angeles area wildfires will affect people's health for many years, according to disaster relief experts.

The fires can cause severe mental health issues, displacement and financial ruin, which make it harder for people to care for their health.

Talya Meyers, senior editor and writer at the nonprofit Direct Relief, said the disaster takes a heavy toll far beyond those killed in the fire.

"When a natural disaster hits a community, there are long-term impacts that cause increases in morbidity and mortality, but that aren't always accounted for in the death toll or in public perceptions," Meyers explained. "It's something that the larger public does need to start thinking about."

A lot of people were struggling to afford food and shelter in Los Angeles even before the devastating fires. Direct Relief is working to meet people's immediate needs, distributing medications, medical equipment and supplies to shelters like the one at the Pasadena Convention Center. And they provided N95 masks, now being handed out free at GAP stores in the area. They are also working to support health centers and community clinics, which will need to ramp up services for the long term.

Fernando Fierro, assistant vice president of nursing services for AltaMed Health Services, which runs community clinics in the Pasadena-Altadena area and is tending to patients in the shelter, said the donated supplies are crucial to helping people fill prescriptions lost in the fire and get continuing care.

"It's transitioned to more of just providing the day-to-day health care support," Fierro noted. "And it's flu season, so managing public health, but an infection prevention standpoint."

Clinics are also watching out for persistent environmental health risks because exposure to smoke can cause or worsen respiratory conditions. Bacteria and hazardous chemicals can stay in the soil and get into the water supply.

New research is finding extra responsibilities at work can take a heavy toll.

A report from Scripps Health shows a link between mental health disorders and work burnout.

According to the report, emotional, physical, and mental exhaustion from continuous and excessive stress can lead to burnout. Left untreated, this can cause short-term sleeping difficulties and digestion problems.

Keith Spencer, who writes résumés for the company Résumé Now, said burnout is more than feeling overwhelmed. And he warned that employees should heed the alert signs before their symptoms are unmanageable.

"Burnout can also lead to and exacerbate issues like anxiety and depression," said Spencer. "And in fact, signs of burnout often mirror other mental health symptoms, like chronic fatigue, irritability, and detachment."

Over time, researchers say extreme overload can contribute to unhealthy relationships and lead to more serious health issues - like heart disease and chronic muscle pain.

Spencer advised coping mechanisms like setting work boundaries or finding mental health support.

A 2019 study by JAMA Health found untreated mental illness cost nearly 430,000 Hoosiers more than $4 billion.

Researchers say as stress levels build, many workers delay taking a break from an unhealthy work environment. Reasons can include unwillingness to leave tasks behind for a co-worker, or no money for a vacation.

Spencer said if the environment is so toxic you think often of leaving, there are a few things to consider.

"I do think it's important to have that honest and ongoing discussion with yourself," said Spencer. "'Are there some boundaries that I can set at work that might alleviate some of these issues that I'm experiencing?' It's really hard to say, 'This is the moment when you should walk away' or, 'This is the moment where you should realize that nothing is getting better.'"

Spencer said striking a balance can help reduce stress or burnout if you can't leave your job. He said he believes you can prevent burnout, but it'll require some effort from you or the company.