 You're just going to love your smile. You hear the headlines. You know health insurance is a real mess right now. Premiums have skyrocketed, and in most cases, you're stuck with your plan until open enrollment. But there's a government rule that allows you to qualify for lower health insurance rates if your life has changed. That means if you've changed jobs, if you're having a child, if you're getting married, if you're getting divorced,