Today's guests:  6:am - Steve Ackerman of Competitive Edge Research says the penalty for not having health insurance will increase next year;  6:35am - Fox News Radio's Gurnal Scott reports 21 Syrian refugees will arrive in Texas soon;  7:am - Author Erick Stackelbeck discusses his book, "ISIS Exposed";  8:am - U.S. Senator from Idaho, Jim Risch with a Washington update; 8:35am - Fox News Radio's Jessica Rosenthal has the latest from San Bernardino.