Do you hate change, or making decisions? Is the car you are driving right now the same one you’ve owned since Jimmy Carter occupied the White House?

Are you planning to finally have air conditioning installed in your home this year? Are you waiting for vinyl records to make a total comeback? Do you tend to put things off? Or try not to think about worst-case-scenarios — like a car wreck, or major illness — because it is depressing? Or can wait maybe until the current pandemic is over?

Still not completely comfortable in the 21st century? Welcome to the club.

According to the experts, many federal workers — and some retirees too — have excellent health insurance coverage. But most, thanks to the power of inertia, are paying too much in premiums. Consumer Checkbook’s Guide to Federal Health plans says “most people can save $2,000 or more in premiums next year, if they do something between now and Dec. 14 when the health insurance hunting season ends.

My guest is Walton Francis, a retired former government official who wrote the book — literally — on the various plans in the FEHBP program. He’ll be talking about how to find the best buy for you and your family. And maybe save lots of money.