Navigating Open Enrollment: Choosing the Best Health Insurance and Other Benefits in 2024
#140: A deep dive into health insurance and other benefits you’ll need to make decisions about during your upcoming open enrollment. We’ll cover health plans in depth, but also dental, vision, HSAs, FSAs, employer life insurance and more.
Partner Deals
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
ATH Podcast:
- Episode #34: Insider Tricks to Healthcare, Prescriptions and Medical Bills with Marshall Allen
- Email for questions, tips, deals, and feedback: [email protected]
Last Week Tonight with John Oliver: Health Care Sharing Ministries
Online Direct Primary Care For Pediatrics: Summer Health | Blueberry
Marshal Allen’s Book: Never Pay the First Bill
Online Sites for Prescriptions: GoodRx | RxSaver
DNA Genetic Testing: 23andMe
Online HSAs: Lively | Starship HSA
Hawaii Recommendations:
- Restaurants (Kid-Friendly): Lava Lava Beach Club | CanoeHouse at Mauna Lani
- Water Activities: Ocean Sports | Snorkel Bob's
Full Show Notes
(02:27) HMOs, PPOs & EPOs
(03:47) Deductible
(04:44) Coinsurance
(05:40) Out of Pocket Maximum
(06:20) High Deductible Health Plan
(07:35) Coverage: In-Network & Out of Network
(09:16) Insurance Brokers
(14:55) Selecting a Carrier
(17:55) Premiums
(20:39) First Dollar Coverage
(21:50) HSA Tip: Use Your Cash Flow For Expenses
(25:10) Why The Platinum Plan Doesn't Make Sense
(29:55) Health Insurance Tricks
(31:13) Medical Sharing Plans
(33:36) Ways To Save
(36:16) Dental & Vision Insurance
(37:56) FSA for Health
(40:47) Using HSA
(41:41) Pre Tax Transit
(41:56) Life & Disability Insurance
(43:18) Tips from Chris's Trip to Hawaii
Connect with Chris
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