It’s that time of year again — time to pick the health insurance plan you’ll rely on for the next 12 months. People who need an Obamacare plan can start shopping on November 1; workers who get health insurance from their employers often hear from HR around this time.

For most people, open enrollment inspires a lot of questions — not least of all, what is open enrollment anyway? How much time do you have to decide on a plan? What’s a deductible? What’s a co-pay? What’s the best way to compare plans? And once you have a plan, which doctors can you see? To cut through the confusion, MONEY reporters Taylor Tepper and Kara Brandeisky explain it all.

Read next: How to Pick a Health Plan in 15 Minutes or Less

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