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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Date of birth correction

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I applied for health insurance online at but I made a mistake entering my husband's date of birth. I put that he was born "3/4/61" instead of the correct birthday "4/3/61" I was afraid to make payment online after noticing this error.

A: Since you opted for a mail-in payment, just print the copy of the application that was e-mailed to you and write the correction on the paper application. Send a copy with your initial premium payment. Transposing the day and month did not change your spouse's age, so the premium rate will not change.


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