Discover Planning today for tomorrow's health care costs: Estimating the cost of insurance and other out-of-pocket expenses (FCS) by Janice Holm Lloyd.
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Janice Holm Lloyd is the author of several novels. Originally from the East Coast, they now live in the Midwest with family. In addition to writing, Janice Holm Lloyd enjoys gardening, cooking, and reading way past bedtime. Their work often explores the complexities of everyday life and human relationships.
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Michael PerezMarch 03, 2024
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
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William JonesFebruary 23, 2025
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. Definitely recommend it if you like this genre.
Elizabeth KingDecember 09, 2025
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Michelle MooreJuly 01, 2025
It was okay. Some parts were interesting, while others were a bit of a slog to get through. Probably won't read it again, but it was an okay way to pass the time.
Patricia WrightSeptember 01, 2024
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Charles MitchellJune 05, 2024
Finished it in a couple of days. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Definitely recommend it if you like this genre.
Michael CampbellDecember 10, 2024
Good, but not quite perfect. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
Jacob DiazAugust 25, 2025
I liked it for the most part. It held my attention, even if a few things were a little predictable. Not bad at all.
Jennifer WhiteMarch 18, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
George LewisJuly 12, 2025
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Amanda MartinOctober 25, 2025
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Betty PerezJanuary 04, 2025
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
Christopher HallDecember 31, 2024
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Carol RamirezMay 15, 2025
A solid read. Interesting premise and executed fairly well. Just a few slow chapters here and there. I'd probably recommend it to a friend.
Michael GonzalezSeptember 19, 2024
A solid read. The middle dragged a tiny bit, but the ending totally made up for it. Not bad at all.
Edward NguyenOctober 28, 2025
Honestly one of the better books I've read lately. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Karen MitchellSeptember 01, 2024
Pretty good overall. It held my attention, even if a few things were a little predictable. A solid 4 stars from me.
William GreenNovember 25, 2025
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Kimberly ThompsonOctober 03, 2025
I liked it for the most part. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
John BakerApril 06, 2024
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Jennifer RamirezNovember 20, 2025
I liked it for the most part. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
Elizabeth PerezOctober 13, 2024
It was just alright. It had some good moments, but the overall plot felt a bit disjointed in the second half. A generous 3 stars.
Melissa BakerJune 06, 2024
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
John CarterOctober 05, 2024
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Jacob DiazNovember 16, 2024
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Kevin MitchellMay 23, 2025
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Patricia WrightApril 04, 2025
It was okay. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Just right down the middle.
Betty RiveraApril 01, 2024
I liked it for the most part. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
Ashley ClarkMay 13, 2025
Not bad, but not my favorite. Some parts were interesting, while others were a bit of a slog to get through. Might work better for someone else, just wasn't completely for me.
Andrew CollinsJune 08, 2024
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Kevin ClarkSeptember 24, 2024
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Daniel MartinMarch 01, 2024
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Joshua DiazJuly 11, 2025
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Eric RodriguezMarch 19, 2024
An average read for me. Some parts were interesting, while others were a bit of a slog to get through. A generous 3 stars.
Andrew LopezJune 07, 2024
Really enjoyed this one. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Kevin MitchellJune 05, 2025
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
David TurnerSeptember 08, 2025
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Michelle MartinJuly 12, 2024
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Joseph AndersonMarch 07, 2025
Not bad, but not my favorite. It had some good moments, but the overall plot felt a bit disjointed in the second half. Just right down the middle.
Michelle SanchezNovember 23, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Michael GonzalezJanuary 25, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Nancy MooreJuly 01, 2025
Glad someone recommended this to me. I got really invested in the main character's journey. Everything just clicked for me. Will be looking for more from this author.
Donald LopezSeptember 12, 2024
Good, but not quite perfect. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. I'd probably recommend it to a friend.
Kimberly MillerFebruary 18, 2024
Pretty good overall. I liked the main character, though some of the side plots were just okay. Still a good book.
Carol JonesDecember 26, 2025
Took me a few chapters to get into it, but it was worth it. I liked the main character, though some of the side plots were just okay. I'd probably recommend it to a friend.
Mary ClarkDecember 09, 2024
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Betty ThomasMarch 09, 2024
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Donald JacksonJune 29, 2024
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Donna CampbellDecember 02, 2025
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Karen MitchellAugust 26, 2025
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
Charles JohnsonSeptember 19, 2025
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Michelle MartinDecember 03, 2025
I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
John MartinezJanuary 16, 2025
Pretty good overall. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Patricia FloresMay 22, 2025
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
Jacob HillSeptember 20, 2025
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Elizabeth GarciaAugust 23, 2024
Really enjoyed this one. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Donna PhillipsMay 12, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Amanda RamirezJanuary 12, 2024
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Margaret DiazDecember 04, 2024
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Donald JohnsonJanuary 17, 2025
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
Linda ParkerDecember 09, 2025
Finished it in a couple of days. I got really invested in the main character's journey. Everything just clicked for me. Definitely recommend it if you like this genre.
Karen JacksonNovember 29, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Kevin ParkerApril 03, 2024
It was just alright. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. It's fine if you have nothing else to read.
Susan BakerJuly 11, 2025
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Emily DavisJuly 11, 2024
It was just alright. Some parts were interesting, while others were a bit of a slog to get through. Probably won't read it again, but it was an okay way to pass the time.
Betty SmithMarch 19, 2025
Not bad, but not my favorite. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. It's fine if you have nothing else to read.
Kenneth ClarkSeptember 06, 2024
Such a great read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Edward TurnerJanuary 07, 2024
Good, but not quite perfect. The middle dragged a tiny bit, but the ending totally made up for it. Not bad at all.
Brian ScottAugust 16, 2025
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Enjoyable weekend read.
Kimberly ThompsonMay 29, 2024
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. Not bad at all.
Sarah YoungMarch 03, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
Donna ThomasDecember 16, 2024
I was pleasantly surprised. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
David CruzFebruary 01, 2025
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Cynthia RobertsJanuary 14, 2024
Not bad, but not my favorite. Some parts were interesting, while others were a bit of a slog to get through. It's fine if you have nothing else to read.
Betty AllenOctober 13, 2025
Not bad, but not my favorite. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Probably won't read it again, but it was an okay way to pass the time.
Sandra GreenAugust 14, 2025
Honestly one of the better books I've read lately. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Donald JohnsonAugust 19, 2024
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Mary PhillipsDecember 02, 2024
Glad someone recommended this to me. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Kenneth CruzDecember 12, 2025
An average read for me. Some parts were interesting, while others were a bit of a slog to get through. Just right down the middle.
Lisa RiveraOctober 19, 2025
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Sarah NelsonJune 15, 2024
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
George SmithSeptember 27, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Enjoyable weekend read.
Kenneth BrownJanuary 05, 2024
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Richard GreenOctober 25, 2025
Pretty good overall. I liked the main character, though some of the side plots were just okay. Not bad at all.
Jacob DiazApril 15, 2025
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Michelle WalkerJanuary 05, 2024
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Brian ReyesFebruary 28, 2025
I liked it for the most part. The middle dragged a tiny bit, but the ending totally made up for it. Not bad at all.
Andrew DiazSeptember 14, 2024
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
William HernandezNovember 27, 2024
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Kimberly TorresMay 30, 2024
A solid read. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Susan TorresAugust 06, 2024
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Donna ThomasFebruary 09, 2025
Finished it in a couple of days. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
James CarterNovember 29, 2024
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
George WilsonMay 04, 2024
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Still a good book.
Edward LewisNovember 26, 2025
I liked it for the most part. It held my attention, even if a few things were a little predictable. Not bad at all.
Susan MitchellJune 29, 2024
Took me a few chapters to get into it, but it was worth it. It held my attention, even if a few things were a little predictable. Still a good book.
Carol CollinsMay 06, 2024
It was just alright. It felt a bit repetitive in the middle. Could have been shorter. Probably won't read it again, but it was an okay way to pass the time.
Ryan EvansSeptember 11, 2025
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Donna PhillipsAugust 30, 2024
Took me a few chapters to get into it, but it was worth it. Interesting premise and executed fairly well. Just a few slow chapters here and there. Not bad at all.
Elizabeth TorresSeptember 07, 2025
I liked it for the most part. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. I'd probably recommend it to a friend.
Susan LopezDecember 20, 2025
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Mary MitchellJanuary 28, 2024
A very satisfying read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Patricia LopezMarch 08, 2025
It was just alright. Some parts were interesting, while others were a bit of a slog to get through. Probably won't read it again, but it was an okay way to pass the time.
Robert NelsonAugust 29, 2024
Pretty good overall. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Jennifer PerezApril 06, 2025
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
Patricia FloresMay 23, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Daniel JonesJanuary 11, 2024
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Eric RodriguezJanuary 01, 2024
Pretty good overall. It held my attention, even if a few things were a little predictable. Still a good book.
Sarah YoungNovember 14, 2024
Pretty good overall. The middle dragged a tiny bit, but the ending totally made up for it. Still a good book.
Nicholas RobinsonMarch 06, 2024
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Sharon HarrisMarch 13, 2024
Glad someone recommended this to me. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
William HernandezSeptember 02, 2025
I liked it for the most part. It held my attention, even if a few things were a little predictable. Still a good book.
Steven RodriguezMay 30, 2024
I have mixed feelings about this one. Some parts were interesting, while others were a bit of a slog to get through. Just right down the middle.
Richard MartinezJune 10, 2024
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Brian GreenApril 01, 2024
A solid read. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Carol FloresOctober 16, 2024
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. A solid 5/5 for me.
Eric WilliamsFebruary 16, 2024
Pretty good overall. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Carol MartinezJune 03, 2025
Pretty good overall. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Michael ThomasFebruary 29, 2024
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Christopher HarrisOctober 09, 2024
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Jacob BakerDecember 26, 2025
Really enjoyed this one. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Robert ParkerJuly 09, 2024
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
Matthew RiveraNovember 04, 2024
I liked it for the most part. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Mary MitchellMay 20, 2024
I liked it for the most part. The middle dragged a tiny bit, but the ending totally made up for it. Enjoyable weekend read.
Carol RobertsOctober 06, 2025
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Rebecca JohnsonNovember 02, 2024
I liked it for the most part. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. I'd probably recommend it to a friend.
Eric WilliamsNovember 23, 2025
Really enjoyed this one. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Betty CarterJune 01, 2024
I have mixed feelings about this one. It felt a bit repetitive in the middle. Could have been shorter. Might work better for someone else, just wasn't completely for me.
Carol FloresSeptember 02, 2024
Took me a few chapters to get into it, but it was worth it. Interesting premise and executed fairly well. Just a few slow chapters here and there. I'd probably recommend it to a friend.
Kevin TaylorOctober 26, 2024
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Steven SanchezNovember 11, 2024
It was just alright. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. A generous 3 stars.
Richard MartinezNovember 28, 2025
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Patricia GonzalezNovember 27, 2025
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
Donna ThomasApril 18, 2025
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
Thomas GarciaFebruary 06, 2025
Good, but not quite perfect. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
David CruzApril 07, 2025
An average read for me. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. Just right down the middle.
Kimberly ClarkNovember 11, 2024
A solid read. I liked the main character, though some of the side plots were just okay. Not bad at all.
Mark TurnerJanuary 07, 2024
Not bad, but not my favorite. Some parts were interesting, while others were a bit of a slog to get through. Probably won't read it again, but it was an okay way to pass the time.
Donna JohnsonNovember 21, 2024
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
James HillAugust 21, 2025
It was okay. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. It's fine if you have nothing else to read.
Karen MitchellJuly 18, 2024
Not bad, but not my favorite. Some parts were interesting, while others were a bit of a slog to get through. Probably won't read it again, but it was an okay way to pass the time.
Barbara PerezFebruary 08, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Nicholas MartinJuly 03, 2025
I liked it for the most part. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Still a good book.
Sarah HernandezOctober 28, 2024
Honestly one of the better books I've read lately. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Emily WalkerJanuary 04, 2024
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Sarah HernandezFebruary 19, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Laura EdwardsNovember 10, 2024
It was just alright. Some parts were interesting, while others were a bit of a slog to get through. It's fine if you have nothing else to read.
Kevin TaylorNovember 11, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Kimberly HernandezMay 23, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.