For a lot of us, just thinking about health care and insurance is enough to cause brain freeze. But we're in open enrollment season, so there are a lot of important decisions that need to be made: high deductible or low? HSA? FSA? A platinum plan or a bare bones one?

We're making decisions about our future health, and there's a lot of psychology that goes into these decision. Dr. Peter Ubel, a physician and behavioral scientist with Duke University, joins the show to tell us about the psychology behind our health insurance choices.