Navigating November Changes: Sleep, Insurance, and Elections

In November, significant changes will occur in the United States, impacting our health and daily routines. Daylight Saving Time ends on November 2, leading to shorter days. Health insurance enrollments for Medicare and Marketplace plans open, while state and local elections on November 4 will influence community health resources and services. Anticipating these changes helps us plan ahead and avoid feeling stressed.

Updated November 8, 2025

Change often seems to happen slowly, especially when we want something quickly. Sometimes change happens suddenly and dramatically, like when the world was plunged into a viral pandemic six years ago.

Some notable changes will happen in November, at least in the United States, and they can have a direct effect on our individual and collective health.

  • Time- from Daylight Saving to Standard
  • Healthcare-changing Medicare, ACA, or employer-sponsored health plans
  • Elections-Voters choose among candidates to fill multiple federal, state, and local offices

Daylight Saving Time ends on November 2

In most of the United States and Canada, we will resume standard time on Sunday, November 2 at 2 AM. Unless you’re awake at that time, you’ll probably want to change your clocks before going to bed Saturday night. (Although many clocks change automatically now.)

That means sunsets will come even earlier than they have been, and there will be fewer daylight hours until the first day of winter, December 21. If you live south of the equator, you welcome more sunshine instead.

Some people may not feel any different as far as sleep and sleepiness due to the change. For most people, “falling back” is less disruptive to sleep than “springing forward.”

Here are some tips to help you adjust to the new day-night schedule of light and dark.

Night before and morning of

  1. Keep your regular bedtime the night before — treat the clock change like a normal night of sleep so you preserve your circadian rhythm.
  2. Avoid a late bedtime because of the “extra” hour — going to bed much later undermines the benefit of the gained hour.
  3. Wake at your usual time on Monday even if you feel rested; consistent wake times anchor sleep timing and help adjust quickly.

Gradual schedule shift if you’re sensitive

  1. Shift sleep-wake by 15–30 minutes for 2–3 days before if you know you’re sensitive to schedule changes.
  2. Split the difference after the change by keeping the new clock time but nudging bedtime slightly earlier for a few nights.

Use light strategically

  1. Get bright morning light as soon as practical after waking to advance circadian timing and reduce morning grogginess.
  2. Dim evening light and avoid screens 60–90 minutes before bed to encourage melatonin production and earlier sleep onset.
Photo by Ketut Subiyanto on Pexels.com

Health Insurance Enrollment for 2025

Many people have a chance to change their health insurance in November.

Medicare is available to anyone at age 65 and certain other people. Enrollees can make changes from October 15 to December 7.

Medicare Advantage Plans (Part C)Medicare CostPlans,Demonstrations/Pilots, and Program of All-inclusive Care for the Elderly (PACE).

If you aren’t eligible for Medicare or an employer-sponsored insurance plan, you may get coverage through the Health Insurance Marketplace, with open enrollment starting November 1 through January 15.

If you are covered by an employer-sponsored health plan, you may be required to sign up for next year’s coverage, especially if you want to change coverage options. Otherwise, you may automatically be enrolled into the same plan.

Whatever plan you choose, you should carefully evaluate options, especially out-of-pocket costs. In a previous post, I reported on the problem of medical debt, due to unexpected expenses not covered by insurance.

Your out-of-pocket medical expenses may increase with a less expensive insurance plan if it requires higher deductibles and co-pays than a plan with higher premiums. You should consider the cost of anticipated health care as you choose coverage.

How to Pay for Medical Care: A Guide for Americans

In this post I review how people pay for their healthcare. In the U.S., medical care financing includes employer-provided insurance, Medicaid, Medicare, the Affordable Care Act, and COBRA. Eligibility for these programs varies based on income, age, and employment status. Additional financial assistance exists through Medicare Savings Programs and nonprofit organizations, helping manage medical bills…

Keep reading

November 4-United States Elections

You may think this is not an election year. That is correct as far as federal elections, as for President, Senators, and Representatives.

However, many state and local elections will be held on Tuesday November 4. These include elections of governors, state supreme court justices, attorneys general, and other state offices.

These elections cover a mix of executive, legislative, judicial, and local offices. Special elections may also be held to fill vacancies in Congress.

New York City, the most populous city in the United States, will elect a new mayor in 2025.
Photo by Dr. Aletha

Several major U.S. cities will elect mayors this year, including.

  • New York City
  • Charlotte
  • Seattle
  • Boston
  • Detroit
  • Albuquerque
  • Atlanta
  • Miami
  • Minneapolis
  • Cleveland
  • Cincinnati
  • Pittsburgh
  • Saint Paul
  • Greensboro
  • Jersey City
  • Durham
  • Buffalo
  • Toledo

(This list was compiled with the use of AI)

📌 Note: Election dates and contests can vary by locality. It’s always best to check with your local election office for the most accurate and up-to-date information.

You can also find election information at Ballotpedia.

Notable results

On November 4, voters elected Mikie Sherrill as governor of New Jersey (the first woman Democrat to hold that office).

Abigail Spanberger is the first woman elected governor of Virginia.

Michelle Wu was reelected mayor of Boston, Massachusetts. She was the first woman elected to that office in 2021.

Zohran Mamdani, a relative newcomer to politics and self-described “democratic socialist”, was elected mayor of New York City, the largest city in the United States.

Boston Massachusetts elects a new mayor in 2025. photo by Dr. Aletha

How Voting Affects Your Health

State and local governments play a vital role in our communities by funding, organizing, and regulating essential health services. State health departments set public health policies, direct disease prevention programs, and manage emergency responses.

Some local governments operate health departments and clinics that provide direct care like vaccinations, maternal health services, and screenings. They also monitor water quality, food safety, and environmental hazards, keeping us safer. 

Since elected officials oversee these services, voting in local elections directly impacts the quality and availability of care. Local leaders decide budgets for hospitals, mental health programs, and emergency medical services, and they influence partnerships with schools, nonprofits, and first responders.

When we vote, we choose the decision-makers who determine how resources are allocated, which programs are prioritized, and how quickly communities can respond to crises. Thus, local elections shape the health systems that touch our lives every day—making participation vital for strong, resilient communities. 

Navigating Your Changes

  1. What changes do you anticipate this month, or before year-end?
  2. What will these changes mean for you?
  3. What do you need to know and do now to be ready?

Exploring the HEART of Health

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Dr. Aletha

How to Pay for Medical Care: A Guide for Americans

In this post I review how people pay for their healthcare. In the U.S., medical care financing includes employer-provided insurance, Medicaid, Medicare, the Affordable Care Act, and COBRA. Eligibility for these programs varies based on income, age, and employment status. Additional financial assistance exists through Medicare Savings Programs and nonprofit organizations, helping manage medical bills and related expenses.

This information is current as of the date of original publication or update. It may have changed by the time you read this. I invite you to fact-check what you read here.

This information is not intended for diagnosis or treatment. Before making health decisions, discuss with your physician or other qualified healthcare provider to decide what is right for you.

This content is for your “information and inspiration”, and does not imply my endorsement or recommendation.

How do you pay for your medical care?

We do not have “socialized” medicine or “universal” health care in the United States —or do we?

The government may not directly pay for healthcare but it is involved through taxes we pay and for tax deductions available for insurance premiums and certain medical expenses. Most people still pay out of pocket for at least some if not most of their healthcare.

Multiple sources confirm that at least half of the population is eligible for health insurance coverage through an employer. The rest may be eligible for coverage through one or more options discussed below.

Healthcare payment options

Government programs can help pay for medical care. Depending on the program, you may also be eligible for help with vision and dental care. Your income, age, employment status, and qualifying health issues will determine your eligibility. These programs include:

Medicaid and the Children’s Health Insurance Program (CHIP)

You may qualify for Medicaid or long-term, depending on your situation. These are both joint ventures of the federal and state governments so eligibility may differ depending on where you live. They may even have different names. In my state, Oklahoma, it’s called SoonerCare.

Unfortunately, Medicaid funding is in jeopardy due to proposed cuts in funding by Congress. Americans living in rural communities throughout the country could see their access to health care diminish if Congress changes eligibility for Medicaid or significantly reduces its federal funding.

Medicare

Everyone is eligible for Medicare at the age 65 years, and sometimes younger if you have a permanent disability. It may also depend on whether or not you are still covered under an employer-provided plan.

The Affordable Care Act (ACA) / Health Insurance Marketplace

This is still sometimes referred to as ObamaCare since Congress passed the act when he was president. The current president has said he intends to end it but so far it is still law. This basically covers people who don’t have insurance through an employer or qualify for Medicare.

Premiums for marketplace plans may increase if federal subsidies are allowed to expire.

Consolidated Omnibus Budget Reconciliation Act

You may think you have never heard of this but it is better known as COBRA. (yes, pronounced like the snake.) If you have a “qualifying life event” and are no longer employed, you may be able to continue on your employer’s insurance plan.

The catch is, you have to pay for it. Paying for this type of plan can be quite expensive, but may be necessary if you have medical issues that can’t be delayed. If you will soon start a new job offering a health plan it may be worth considering this temporarily.

Learn how these programs work, find out if you are eligible, and see how to apply.

Veterans and Military Healthcare

Those currently serving in the Armed Forces and their dependents can receive healthcare through the Tricare program of the Department of Defense.

Military Veterans can receive care through hospitals and clinics of the Veterans Administration Health systems. Dependents of some veterans, usually those with service-connected disabilities may be eligible for CHAMPVA-Civilian Health and Medical Plan.

Photo by George Pak on Pexels.com

Help with medical bills beyond insurance

Medicare Savings Programs

There are 4 Medicare Savings Programs that may be able to help with Part A and Part B premiums, deductibles, coinsurance, and copayments. You’ll apply for Medicare Savings Programs through your state. When you apply, your state determines which program(s) you qualify for. Even if you don’t think you qualify, you should still apply.

Medicare Extra Help

This program can help you pay Medicare Part D costs that cover prescription drugs. Find out if you qualify for Extra Help and apply.

Financial Assistance Programs

If you still need help with medical bills after health insurance or Medicaid payments have been applied, a financial assistance program may assist you with the remaining costs. In most cases, you can apply through a doctor or hospital where you are seeking medical treatment.

Learn more about these options here.

Some non-profit medical facilities provide medical care free or at a reduced price. Patient advocacy organizations for various chronic conditions may offer financial assistance.  

Get help paying medical bills through debt management

Despite using insurance and extra sources of help you may find yourself forced to deplete savings. You may owe more money than your budget allows you to pay regularly. You are in debt.

You may be able to get help paying your medical bills with a debt management plan. This involves a payment schedule that a credit counselor develops based on your situation.

When you pay, your money is deposited into an account with the credit counseling organization, which then pays your debt. You may be able to get lower interest rates and certain fees waived to help make it easier to pay off your medical debt. 

Learn more about debt management and how it works.

The Pexels images in this post are for illustration only and do not depict real medical situations.

Exploring the HEART of Health

I hope you learned something here that helps you or someone else. Please forward it to a friend or share on social media.

In another piece, I will discuss obtaining medicines and vaccines.

I’d love for you to follow this blog. I share information and inspiration to help you turn health challenges into health opportunities.

Add your name to the subscribe box to be notified of new posts by email. Click the link to read the post and browse other content. It’s that simple. No spam.

I enjoy seeing who is new to Watercress Words. When you subscribe, I will visit your blog or website. Thanks and see you next time.

Medical stethoscope and heart on a textured background

Dr Aletha