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Khatta Meetha - The Podcast. Sweet and Salty: Finance, Health, Culture, & Beyond. A fresh perspective on navigating today’s complexities with heart, humor, wit, wisdom, and relatable experiences.
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KM S1 E2 Open Enrollment - Choosing a health insurance plan
Manage episode 387843180 series 3533769
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Today we are talking about navigating open season and choosing a health insurance. We'll talk through the factors to consider when choosing the best plan for you.
Steps in choosing a plan:
1. see what options are available, make sure you look at the correct premiums (self, self +1, self + family)
2. Create a list of expected health care expenses (annual physical, sick visits, specialist visits, RX meds, dental cleanings, eye exam, etc.)
3. do you want to pay a higher premium (less money in your paycheck coming home) or pay a higher deductible and copay (paying more money on your medical bills)? (basically on the front end or back end).
4. Sort and compare the plans that meet your needs the most.
5. don't forget about HDHP plans with an HSA as a great retirement tax savings vehicle
6. Don't forget about Flexible Savings accounts (FSAs) for tax savings on money you would have spent on healthcare anyways
Click here - to read an article I wrote on this: https://zubila.wixsite.com/rxtotravel/post/choosing-health-insurance
FEHB basics cheat sheet: https://drive.google.com/file/d/1DxbISg5hZ2WAM4drjFH8TCD1kp6e7sDh/view?usp=share_link
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