According to the latest projection, there is at least a 20% chance you are in the wrong health plan. And that you are very likely paying more than necessary in premiums. This is especially true for retirees who may have been in the same health plan for years. So, is that BS... or fact from more reliable sources? Walton Francis is again our guest on Your Turn. He talks about what you should be looking for, and what to avoid, while navigating this year's open season. Walt spent many years in a top job at the Department of Health and Human Services. No BS data in his knowledge base. Just facts.