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: podcast@chrishutchins.com

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

Oura Ring

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

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