If you’re blowing out 65 candles on your birthday cake this year, congratulations! You’ve reached a major milestone. But alongside the celebration usually comes a mailbox overflowing with glossy brochures, each one promising "free" healthcare, $0 premiums, and enough extra perks to make your head spin. At Solomon Estate and Wealth Planning, I see it all the time. People get so excited about the idea of a $0 premium that they sign on the dotted line without realizing what they