It's the most magical time of year. Pumpkin-spice lattes are back, and that can only mean one thing: Open Enrollment is just around the corner. Okay, those two things aren't actually linked in any way, but they do both characterize the autumn months in the United States.

Starting on November 1st and ending on December 15th, Americans have a chance to join and make changes to the way they pay for healthcare costs. Keep in mind that Liberty HealthShare is not insurance, and we are not subject to the constraints of Open Enrollment; however, we do find that exponentially more members enroll during this time than at any other because many Americans take this time to evaluate how they are paying for their medical costs.

Our goal here at Liberty HealthShare is to provide an experience you will want to share with others. That's why it's so rewarding for us when a new enrollee comes to us by way of a referral from friends or family. There is nothing more encouraging to us than knowing you've been impacted in such a way that you trust us to work with your loved ones. Since Open Enrollment is almost here, this is a great time for you to consider sending them our way!

To that end, we've created a tool you can use to electronically refer your friends and family to us. It's aptly named "Refer-a-Friend," and it's available in your ShareBox. And guess what? Your referrals mean so much to us that Refer-a-Friend includes a rewards program! If your referral enrolls and remains an active member for 60 days, we will reward you with a $100 Visa gift card.

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Entering referrals is simple: once you log into your ShareBox, you'll see links across the top of the page. Click Refer-a-Friend and then follow the instructions, entering the pertinent information for your referrals. A Liberty representative will get in touch with them and answer their questions so they can learn more about us and make an informed decision. Log back in at any time to track the progress of your referrals and your rewards. As always, referrals and enrollments are confidential.

Please keep in mind that you are responsible for reading and understanding the terms and conditions of the program. We want this to be fair for everyone, so we've put some rules in place that participants are expected to abide by. Also, if you're already familiar with Refer-a-Friend, we want you to be aware of a few changes we've made to the program based on federal regulations. The video included below gives a helpful overview of those changes.

We hope you will keep sharing your Liberty experience with friends and family. Even though Open Enrollment is coming, make sure to let your loved ones know they can enroll with Liberty HealthShare any time throughout the year. We look forward to sharing a small token of our gratitude for your loyalty!