Podcasts about Health insurance

Dr Eugene Manley grew up in Detroit in the 1980s cycling through emergency rooms 20 to 30 times a year with asthma and anaphylaxis while hospital staff talked past his family and buried them in paperwork they could not decode. He responded by earning a BS in mechanical engineering an MS in biomedical engineering and a PhD in molecular biology cell biology and biochemistry. Along the way he tore his ACL training for a jiu jitsu black belt worked 86 straight days in a lab during his doctorate and learned how academic and clinical systems punish people who refuse to shrink.In this episode Manley walks through a recent post surgery ordeal at Mount Sinai Queens where staff falsified records attempted an illegal discharge and nearly sent him home on the wrong blood thinner. He explains how medical racism shows up in charts staffing and decision making and why measurable equity fails without accountability. Listeners hear how his STEMM and Cancer Health Equity Foundation builds pipelines for underrepresented students challenges clinical trial design and teaches patients how to protect themselves when institutions lie. RELATED LINKS• Eugene Manley Jr• STEMM and Cancer Health Equity Foundation• Village Voice• LUNGevity FoundationFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Health Affairs' Rob Lott interviews Derek T. Lake on his recent paper exploring new research on Optum's acquisitions, finding the company tended to buy physician practices already using ambulatory surgery centers and that its ASC acquisitions were followed by higher prices for competing insurers.Order the February 2026 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcast

Cody Garrett provides an in-depth analysis of the changing landscape of health insurance in the U.S., focusing on the Affordable Care Act (ACA) and adjustments to premium tax credits. He emphasizes the critical role that zip codes play in determining healthcare costs and highlights the importance of understanding the 400% federal poverty level cliff, which poses financial risks for many families. Various health insurance options are discussed, including COBRA, retiree coverage, health sharing ministries, and private insurance, equipping listeners with vital insights for making informed healthcare decisions. Listeners will learn actionable strategies for tax planning related to health insurance, including how to maximize benefits and minimize costs while navigating available healthcare options effectively. Key Tactical Takeaways Understand Income Levels: Monitor your income to avoid going over the 400% federal poverty level, which can eliminate premium tax credit eligibility. Evaluate COBRA Costs: Review code DD on your W-2 to understand total health insurance premiums and assess whether continuing with COBRA is financially wise. Explore Health Sharing Ministries: These may have lower premiums but lack the legal protections of traditional insurance; evaluate carefully. Use HSA Contributions: Contribute to Health Savings Accounts to lower taxable income and potentially maintain premium tax credits; you can contribute even without earned income. Utilize Marketplace Resources: Access healthcare.gov to determine premium tax credits based on your specific circumstances, including zip code and household income. Be Cautious with Tax Planning: Adjust advanced premium tax credits based on estimated income cautiously to avoid unexpected tax liabilities. Core Rules & Formulas Rule/Formula Description 400% Poverty Level Threshold Know the household income limits that could affect premium tax credits. COBRA Cost Calculation Employee + Employer Premium (W-2 code DD x 102%) = COBRA Costs. HSA Contribution Can lower modified adjusted gross income; contribute by April 15 without earned income requirements. Premium Tax Credit Calculation Estimated Credit = Based on adjusted gross income, household size, and the second lowest-cost silver plan. Adjust Premium Tax Credits You can change the advanced credit amount month-to-month via healthcare.gov. Tools, Accounts, or Strategies Mentioned Tool/Strategy Description healthcare.gov Website for ACA marketplace and health insurance options. Health Savings Account (HSA) Account for saving for healthcare costs that reduces taxable income. COBRA Coverage Allows continuation of employer health insurance post-employment. Health Sharing Ministries Group healthcare cost-sharing options that offer lower premiums but higher risk. Private Insurance Individual insurance plans that require medical underwriting. Resources & References Tax Planning to and Through Early Retirement Cody's Website What Next? Review your income and health insurance options during open enrollment. Assess your COBRA costs by checking your W-2 for current premium data. Explore HSA contributions to manage your taxable income prudently. Adjust advanced premium tax credits through healthcare.gov based on changes in your financial situation. For further clarity on health insurance strategies, consider consulting a financial planner to avoid potential costly mistakes.

a16z Partners Daisy Wolf and Eva Steinman talk with Zach Cohen and Raymond Wang, cofounders of Ease Health, a company building an AI operating system for behavioral health that combines CRM, EHR, and revenue cycle management into a single platform. They discuss why behavioral health software has lagged behind, what it means to build AI native versus AI integrated, and why Zach left his job as an investor at a16z to go build in this space. They also cover how Ease plans to replace the dozen software vendors most practices rely on today.   Resources: Follow Daisy Wolf on X:  https://x.com/daisydwolf Follow Eva Steinman on LinkedIn: https://www.linkedin.com/in/eva-steinman/ Follow Zach Cohen on X:  https://x.com/zachcohen25 Follow Raymond Wang on LinkedIn: https://www.linkedin.com/in/arrays/   Stay Updated: If you enjoyed this episode, be sure to like, subscribe, and share with your friends! Find a16z on X:https://x.com/a16z Find a16z on LinkedIn: https://www.linkedin.com/company/a16z Listen to the a16z Podcast on Spotify: https://open.spotify.com/show/5bC65RDvs3oxnLyqqvkUYX Listen to the a16z Podcast on Apple Podcasts: https://podcasts.apple.com/us/podcast/a16z-podcast/id842818711 Follow our host: https://x.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see http://a16z.com/disclosures . Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Watch every episode ad-free & uncensored on Patreon: https://patreon.com/dannyjones Brigham Buhler is a healthcare entrepreneur, founder and CEO of Ways2Well, and co-founder of ReviveRx Pharmacy. https://ways2well.com EPISODE LINKS https://www.instagram.com/brigham.buhler https://ways2well.com SPONSORS https://whiterabbitenergy.com/?ref=DJP - Use code DJP for 20% off FOLLOW DANNY JONES https://www.instagram.com/dannyjones https://twitter.com/jonesdanny OUTLINE 00:00 - Becoming the first drug rep for Cialis 04:47 - The primary care problem in America 07:20 - Why you should self-pay prescription drugs 12:10 - The dirty secret of anti-depressants 16:13 - The prescription drug incentive program 21:27 - 5 insurance companies cover 90% of Americans 23:31 - The Pharmacy Benefit Managers scam 28:48 - Think of health insurance like car insurance 31:27 - The #1 mistake we're making with our health 34:26 - The testosterone myth 38:51 - Why it costs $250M to bring a drug to market 44:32 - Why health insurance keeps you in the dark 45:31 - How we're fixing problems in healthcare 49:58 - How Brigham ended up on JRE 53:17 - Lobbying against peptides with the FDA 01:00:34 - Why "FDA-approved" products aren't always safe 01:06:08 - The "problem" with peptides 01:08:02 - The origin of the opioid crisis 01:11:48 - Pediatrician's vaccine schedules 01:17:55 - Changes in child vaccine requirements 01:21:41 - How fast medical knowledge becomes antiquated 01:25:21 - Why RFK backed down on vaccines 01:29:49 - Importance of flipping the food pyramid 01:33:44 - Combining IGF + GLP-1 drugs 01:36:50 - Jelly Roll's weight transformation 01:44:19 - Small wins = huge progress 01:47:44 - Brigham's efforts in the MAHA movement 01:54:15 - FDA's response to MAHA 02:00:01 - Protecting healthcare from future administrations 02:06:55 - American healthcare vs. other countries 02:08:44 - Food ingredients in US vs. Europe 02:15:15 - New stem cell treatments 02:17:06 - Why stem cells were banned in America 02:22:17 - New Japanese stem cell discovery 02:28:33 - Early anecdotal results from stem cell therapy 02:31:51 - We can create real-life X-Men 02:36:24 - Psychedelics & super soldiers 02:42:26 - The MINDS project (psychedelic problem-solving) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Health care got barely a mention in President Donald Trump's record-long State of the Union address this week. Ahead of the midterms, the Trump administration has presented few concrete plans to address what Americans say is the biggest problem with health care: its skyrocketing costs. Meanwhile, Trump's pick to become U.S. surgeon general, Casey Means, got her long-delayed nomination hearing in the Senate, where she faced some skeptical questions from Democrats and Republicans alike. Sheryl Gay Stolberg of The New York Times, Lauren Weber of The Washington Post, and Alice Miranda Ollstein of Politico join KFF Health News' Julie Rovner to discuss those stories and more. Plus, for “extra credit” the panelists suggest health policy stories they read (or wrote) this week that they think you should read, too: Julie Rovner: KFF Health News' “When It Comes to Health Insurance, Federal Dollars Support More Than ACA Plans,” by Julie Appleby.  Sheryl Gay Stolberg: ProPublica's “South Carolina Hospitals Aren't Required To Disclose Measles-Related Admissions. That Leaves Doctors in the Dark,” by Jennifer Berry Hawes.  Lauren Weber: The Washington Post's “Inside RFK Jr.'s Push Against the Flu Vaccine That He Links to His Voice Condition,” by Lauren Weber, Lena H. Sun, and Caitlin Gilbert.  Alice Miranda Ollstein: Stat's “Pharma Lobbyists Focus on a Surprising New Target: The FDA,” by Daniel Payne and Lizzy Lawrence.  

We're marking Rare Disease Month 2026 by highlighting the powerful story of Shanthi Hegde, a young patient advocate working to transform how bleeding disorders are understood, treated, and supported. This work is fueled by her own arduous journey with two rare bleeding disorders and immune dysregulatory syndrome, and an extended diagnostic odyssey marked by dismissal, underdiagnosis, and structural bias. “I was told many times by many providers that these disorders are not common in Indians and that my bruises were there just because I'm brown.” Admirably, Shanthi pushed past this mistreatment, advocated for her medical needs, and devoted herself to tackling a range of issues confronting rare disease patients from mental health access to affordable drug pricing to research equity. In this remarkable Year of the Zebra conversation with host Lindsey Smith, you'll also learn about: Shanti's work with the Hemophilia Federation of America; How gaps extend beyond treatment to include insurance coverage, provider training, and substance use care; What clinicians can do to improve the work they do with rare disease patients. Join us for a conversation that connects patient voice to system change, and explores what real equity for rare disease communities will require. Mentioned in this episode:Hemophilia Federation of AmericaShanthi's LinkedIn Profile If you like this podcast, please share it on your social channels. You can also subscribe to the series and check out all of our episodes at www.osmosis.org/podcast

When my insurance premiums jumped 300% even though I almost never use insurance, I hit my limit. I'm healthy, I take care of myself, and I couldn't justify paying more and more for a system that feels designed to work against the person funding it. So I went looking for alternatives, found CrowdHealth, joined as a member, and invited the founder on the show to unpack how this model actually works.In this episode of the Wealthy Wellthy podcast, I sit down with Andy Schoonover, CEO and founder of CrowdHealth, to talk about what's broken in traditional health insurance and why it keeps getting more expensive. Andy shares the personal moment that pushed him to build CrowdHealth: paying for a procedure for his daughter, doing everything “right” in-network, then getting hit with an $8,000 bill and a denial for being “medically unnecessary.” That experience led him to build a community-based alternative where members fund each other's medical bills and pay providers directly, without insurance middlemen driving prices up.We get into the practical details: how CrowdHealth handles big events, how cash-pay negotiation works, what preventative care looks like inside the model, and who it's a fit for (and who it's not). If you're an entrepreneur, self-employed, or just done with the insurance racket, this is a real-world conversation about reclaiming control, lowering costs, and putting healthcare back between you and your doctor.What We Talked About:Why traditional health insurance is incentivized for prices to rise (and why denials happen in-year).Andy's origin story: the “medically unnecessary” denial that became the spark for CrowdHealth.How CrowdHealth works: pay providers directly, negotiate bills down, and submit eligible costs to the community.The $500 “skin in the game” approach for health events, designed to avoid catastrophic deductibles.Preventative care and quarterly “specials” (including labs and tests) plus the annual wellness visit support.Prescriptions and how CrowdHealth can help negotiate high-cost meds.The care advocate model: one person assigned to you, vs. call-center chaos.⏱ Timestamps 00:00 Introduction to Health Insurance Challenges05:17 The Birth of CrowdHealth10:29 Understanding the Flaws in Traditional Insurance12:35 Addressing Concerns About Crowdfunding Healthcare16:26 Negotiating Costs and Community Support19:56 Reclaiming Healthcare: The CrowdHealth Model21:41 Navigating the Healthcare Landscape: Functional Medicine and Cash Pay26:31 Preventative Care: Investing in Health Before Illness30:45 Understanding Wellness Visits and Community Support31:56 The Future of CrowdHealth: Disintermediating Healthcare34:37 Empowering Patients: Who CrowdHealth is For and Not For

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Jenny Opalinski has spent more than a decade inside hospitals where people lose the ability to speak, breathe, swallow, and sometimes survive. A medical speech language pathologist by training, she worked in ICU, neuro rehab, and long term acute care settings, including a Level 1 trauma center, where she watched clinicians absorb 10 to 15 traumatic events in a single shift and then get told to move the crash cart faster next time.That lived reality pushed her to co found The Wellness Shift, an advocacy and education platform focused on healthcare worker burnout, suicide, and assault. In this conversation, Opalinski walks through the moment that changed everything for her: standing in a hospital hallway listening to a family wail after a failed code, followed by a debrief that addressed logistics and ignored grief entirely.She also explains how that work led to Humanity Rx, her podcast about the human cost of medicine, and Dragon's Breath: Calming Tricks for Big Feelings, a children's book that translates evidence based breathing and regulation strategies into language kids can actually use. The episode covers moral injury, time scarcity, false wellness, respiratory muscle training, and why empathy keeps getting treated as an optional expense instead of clinical infrastructure.RELATED LINKSJenny Opalinski on LinkedInThe Wellness ShiftHumanity RxDragon's Breath: Calming Tricks for Big FeelingsAspire Respiratory ProductsFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Health Affairs' Rob Lott interviews So-Yeon Kang of Georgetown University about her recent paper exploring trends in biopharmaceutical clinical trials after The Inflation Reduction Act of 2022 authorized Medicare to negotiate prices for selected drugs. Order the January 2026 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcast

What happens when a health plan stops trying to optimize a legacy system and instead rebuilds the model itself? In this episode of Bright Spots in Healthcare, Eric Glazer sits down with Patrick Quigley, CEO and co-founder of Sidecar Health, for a candid conversation about redesigning health insurance around transparency, incentives, and consumer agency. Rather than focusing on incremental reform, this discussion explores what changes when members can see prices before they receive care, when benefits are structured around clear dollar amounts instead of opaque contracts, and when savings can be shared directly with the individual making the decision. Patrick walks through why traditional insurance design obscures cost and distorts behavior, how employers are responding to rising spend and limited visibility, and what it takes operationally to challenge long standing assumptions about how plans should work. Using examples from employer adoption, member purchasing behavior, and provider pricing dynamics, the conversation surfaces how transparency becomes more than a feature. It becomes the foundation for accountability and market discipline. This episode is designed for health plan leaders, employers, and innovators who are no longer asking whether affordability is a problem, but are questioning whether the current structure can solve it. In this episode, we cover: Why price opacity persists in traditional insurance models What changes when members see real time, upfront pricing How defined benefit structures alter purchasing decisions Why employers are increasingly open to alternative plan design How financial alignment influences utilization patterns The operational realities of building a new insurance model What industry leaders must unlearn to create sustainable affordability About Patrick Quigley: Patrick Quigley is the CEO and co-founder of Sidecar Health, a health insurance company built on a transparency first model. Under his leadership, the organization has focused on creating plans that show members clear prices, allow them to choose providers freely, and share savings when care costs less than expected. His work centers on restoring consumer visibility and aligning incentives across members, providers, and employers to address the structural drivers of healthcare cost growth. Learn more about Patrick Quigley - https://www.linkedin.com/in/quigleyp/ Partner with Bright Spots Ventures: If you are interested in speaking with the Bright Spots Ventures team to brainstorm how we can help you grow your business via content and relationships, email hkrish@brightspotsventures.com. About Bright Spots Ventures: Bright Spots Ventures is a healthcare strategy and engagement company that creates content, communities, and connections to accelerate innovation. We help healthcare leaders discover what's working, and how to scale it. By bringing together health plan, hospital, and solution leaders, we facilitate the exchange of ideas that lead to measurable impact. Through our podcast, executive councils, private events, and go-to-market strategy work, we surface and amplify the "bright spots" in healthcare—proven innovations others can learn from and replicate. At our core, we exist to create trusted relationships that make real progress possible. Visit our website at www.brightspotsinhealthcare.com. Visit our website:  www.brightspotsinhealthcare.com. Follow Bright Spots in Healthcare: https://www.linkedin.com/company/shared-purpose-connect/

Washington lawmakers have passed Senate Bill 6182, creating a new Abortion Savings Program funded through assessments on health insurance carriers.What does that actually mean?In this episode of Left Coast News, we break down how the funding mechanism works, who pays, whether costs could impact premiums, and why critics argue there is no opt-out for residents who morally oppose abortion.This is not a surface-level debate. We're walking through the policy, the funding structure, and the broader implications for Washington families.Stay informed. Stay engaged.#WashingtonState#SB6182#HealthInsurance#PublicPolicy#LeftCoastNews

Laya Healthcare has announced that it is increasing the prices of 65 of its policies by an average of 4.7%. Dermot Goode, from Health Insurance Ireland.ie outlines what customers can expect.

Few issues have tested public trust in medicine as deeply as vaccines, and few individuals have influenced that dialogue more than Dr. Paul Offit, director of the Vaccine Education Center at the Children's Hospital of Philadelphia and a longtime member of the FDA's Vaccine Advisory Committee. In this timely and candid interview with Raise the Line host Lindsey Smith, Dr. Offit points to this year's severe flu season and a resurgence of measles as alarming proof points of how a changing federal perspective on vaccine policy is having a real impact on public health. “You'd like to think you can educate about the importance of vaccines, but I fear at this point the viruses themselves are doing the educating.” In this wide ranging discussion, Dr. Offit also addresses: The rigorous and painstaking process of developing vaccines, based on his experience co-inventing the rotavirus vaccine. Shifting levels of public trust in scientific organizations. Promising innovations in vaccine development. Don't miss this deeply-informed perspective on the interplay of science, policy, and public education, and his encouraging message to young clinicians about managing the current challenges in public health.  Mentioned in this episode: Vaccine Education Center at Children's Hospital of PhiladelphiaPerelman School of Medicine If you like this podcast, please share it on your social channels. You can also subscribe to the series and check out all of our episodes at www.osmosis.org/podcast

Segment 1: Elliot Richardson, Co-founder and President, Small Business Advocacy Council, joins John to talk about the challenges small businesses are facing when it comes to procuring affordable, quality health insurance and how the SBAC is focused on lowering the cost of health insurance. Segment 2: Scott Stein, Editor at Large, CNET, tells John about the next wave of […]

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Australians are expected to decrease their private health insurance coverage, or forgo insurance altogether, following the news that premiums will rise from April.

The California Nurses Association is pushing for health care reform. And, Caltrans has closed part of Highway 1 south of Big Sur due to slides and debris.

Australians are expected to decrease their private health insurance coverage, or forgo insurance altogether, following the news that premiums will rise from April.

Australians are expected to decrease their private health insurance coverage, or forgo insurance altogether, following the news that premiums will rise from April.

In this episode, we discuss the Netherlands' proposed 36% tax on unrealized capital gains, unpacking what it means to tax wealth that exists only on paper and how such a policy could force asset sales, distort investment behavior, and reshape long-term incentives for savers and entrepreneurs. For our Foolishness of the Week, we turn to North Carolina, where a local official distinguished himself as perhaps the dumbest sheriff in America. We then welcome Dave Greene for an extended conversation on health insurance, exploring how risk pooling actually works, why medical pricing feels arbitrary, how regulation and the Affordable Care Act altered incentives for insurers and patients, and why price opacity and third-party payment continue to drive costs higher across the system. 00:00 Introduction and Overview 00:31 Words and Numbers Backstage & Listener Shoutouts 04:13 The Netherlands' 36% Tax on Unrealized Gains 08:20 Who Can Afford Risk Under a Wealth-Style Tax? 12:24 Florida Snow & Strange Weather 13:39 Foolishness of the Week: The Mecklenburg Sheriff 18:54 Dave Greene Introduction: Health Insurance Insider Perspective 21:36 Why Health Insurance Feels So Frustrating 24:05 Is the System Designed to Make You Give Up? 27:32 Why Health Care Prices Stay Hidden 34:13 The $1,600 MRI vs. $200 MRI Problem 41:38 Negotiating Medical Bills (Yes, You Can) 43:36 The Affordable Care Act and Incentive Distortions 47:24 Health Insurance Profit Margins Explained 50:45 1950s Health Care vs. Today's Innovation 53:48 Why Insurance Companies Get the Blame 57:26 Medicare vs. Private Insurance Subsidies 01:01:35 Guest Outro and Closing Thoughts Learn more about your ad choices. Visit podcastchoices.com/adchoices

Sarah Gromko and Matthew Zachary go back to SUNY Binghamton in the early 1990s, when they were barely 19 and living inside rehearsal rooms. She starred in campus musical theater productions. He served as pianist and music director for many of those shows and played rehearsal piano for the THEA101 repertory company. This episode reunites two former theater nerds who grew up and took very different paths through art, illness, and work that still circles the same truth.Gromko trained as a singer and composer, studied film scoring at Berklee College of Music, worked in New York and New Orleans, then moved into healthcare as a speech language pathologist and recognized vocologist. She explains aphasia, apraxia, dysarthria, and dysphagia with clarity earned from the clinic. She recounts helping a 16 year old gunshot survivor in New Orleans speak again using Melodic Intonation Therapy. The conversation covers voice banking for ALS, gender affirming voice care, and the damage caused when medicine confuses speech loss with intelligence loss. The result feels like an epic reunion powered by 1990s nostalgia and sharpened by decades of lived consequence.RELATED LINKSSarah GromkoGramco VoiceMelodic Intonation TherapyFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What exactly is a TPA (Third-Party Administrator)—and why does it matter in the world of health insurance?In this episode, Nick Buratti from Allied Benefit Systems joins me for a clear, practical conversation about how TPAs operate, what they're responsible for, and where they fit into the broader health insurance ecosystem. If you're involved in employee benefits, self-funded health plans, or just want to better understand how all the moving pieces connect, this episode is a must-watch. #TheHITPodcast #HealthInsurance #TPA #EmployeeBenefits #SelfFunded #HRLeadership #AlliedBenefitSystems #HealthcareExplained

தனியார் சுகாதார காப்பீடு எதிர்வரும் வாரங்களில் அதிகரிக்கவுள்ள வேளையில் பலர் இந்த சிறிய பிழையினால் அதிகம் சுகாதார காப்பீடு/health insurance செலுத்தி வருவதாக புதிய ஆய்வு ஒன்று கூறுகிறது. இது குறித்த செய்தியை எடுத்து வருகிறார் செல்வி இன்பசேகரன்.

Taylor Bowker - Mindful Insurance Agency On Common Mistakes in Medical Billing: "She ended up getting a bill for $14,000 for a pee test." Health insurance in the United States is a pain.  We all know that.  As business owners, we often get stuck needing to shop for our own insurance.  Only during certain times of year and only with all of these rules.  But how do you buy health insurance, without going crazy? There is a marketplace, but it isn't exactly like going to buy grapes.  It helps to have an expert on your side, as with most things.  In this case, the expert offers their expertise at no additional cost to you. Taylor Bowker is the health insurance expert.  She started Mindful Insurance Agency to help people navigate the murky waters of health insurance.  As an entrepreneur, a business owner with multi-state employees, or someone simply trying to make sense of the marketplace, this episode breaks down the trends, challenges, and solutions in health insurance. Listen as Taylor offers tips on choosing the right coverage, using HSAs, and understanding group versus individual enrollment periods. Enjoy! Visit Taylor at: https://mindfulinsuranceagency.com/   Podcast Overview: 00:00 "Starting My Own Business" 05:11 Health Insurance vs. Cost Sharing 12:34 Cost Challenges in Employee Insurance 19:59 "Updating Marketplace Applications Challenges" 26:40 "$14K Surprise Medical Bill" 29:26 "Health Insurance Subsidy Reduction Impact" 37:36 Snowbirds, Coverage, and Emergencies 38:45 Healthcare Coverage Tips by Age 45:35 "Streamlined Application Support Platform" 51:59 "Insurance Enrollment Rules Explained" 55:45 Employee Coverage Plan Explanation 01:01:10 "Specializing in Individual Coverage" 01:08:09 QSEHRA Benefits and Marketplace Savings 01:11:50 "HSA Usage and Restrictions" 01:16:07 FSA Contributions and Usage Rules Sponsors: Live Video chat with our customers here with LiveSwitch: https://join.liveswitch.com/gfj3m6hnmguz Some videos have been recorded with Riverside: https://www.riverside.fm/?utm_campaign=campaign_5&utm_medium=affiliate&utm_source=rewardful&via=james-kademan Podcast Transcription: Taylor Bowker [00:00:00]: I saw the largest health insurance increase of my entire career this past open enrollment because these folks no longer qualified for a subsidy because their income— your income could literally go a dollar over the threshold to receive a subsidy and you no longer qualify for $1,000 a month's worth of savings. You could owe, you know, $12,000, $13,000, $14,000, $15,000 back at tax time if you go even a dollar over. So that's kind of where the issue lies. James [00:00:35]: You have found Authentic Business Adventures, the business program that brings you the struggle stories and triumphant successes of business owners across the land. Downloadable audio episodes can be found in the podcast link found at drawincustomers.com. We are locally underwritten by the Bank of Sun Prairie, and today we are welcoming slash preparing to learn from Taylor Belker of Mindful Insurance Agency. So Taylor, How is it going today? Taylor Bowker [00:00:59]: Hello. Good. Staying warm or attempting to. James [00:01:02]: Wisconsin, here we are. So tell me a story. What is Mindful Insurance Agency? Taylor Bowker [00:01:07]: Oh, sure. So at Mindful Insurance Agency, we assist individuals and businesses get health insurance, health, dental, and vision. And we are a brokerage. So we are essentially the middle person between the members and the health insurance carriers and just try to advise and educate and help people get health insurance. James [00:01:30]: Right on. How do you end up in health insurance? Taylor Bowker [00:01:33]: Well, um, so I started in the insurance industry back in 2012. I was 5 years old. I'm just kidding, I was a little bit older than that. Um, yes, yes, yes. Um, so I started very entry-level job at an agency in Waunakee, around town here. Um, again, just doing very entry-level things. And then I shortly got promoted to a business development role. Um, and then from there, there there was a different agency hiring that was focusing on health insurance, and I was ready for a change. Taylor Bowker [00:02:11]: They needed a customer service rep, front desk person, so I went there to work, and within a year of me working there, they actually asked me if I wanted to become an agent or a broker, and I had never thought that that was something I wanted to do. Insurance, it can be a very just like cutthroat kind of a situation with sales and quotas and things like that. And that always kind of made me a little nervous. But I am very much a people person. So I, you know, I thought, why not? Let's give it a try. So I got licensed and became an agent back in 2016 now. And then, so started as an agent there doing health, dental, and vision, like I said. And then back in 2019, I decided to start my own business. James [00:03:05]: So that's awesome. Taylor Bowker [00:03:05]: Yeah, I've been doing that for 6 years now. James [00:03:08]: So what was the motivator to start your own gig versus just maintaining with where you were at? Sure. Taylor Bowker [00:03:12]: Yeah. Well, I guess I've always kind of just been somebody who works just, I prefer to kind of be on my own. Being my own boss sounded really great. I was in a group of individuals at the time and other business owners, the group that you're in with me now where we met. And again, there were just a lot of business owners there and they were doing a really good job of owning a business. And it just sounded like a feasible option for me and something that I wanted to do. I also felt like I kind of had learned everything I really could being at the place I was at previously. So I figured, you know, why not give it a shot and rip the Band-Aid off? And it's been, yeah, it's been working out well so far. Taylor Bowker [00:04:00]: So that's good. James [00:04:01]: Right on. Taylor Bowker [00:04:02]: Yeah. James [00:04:02]: So has health insurance changed much over the past, what are we talking, 9, 10 years? Taylor Bowker [00:04:08]: Sure. So I would say yes, yes and no. So I think the biggest thing that's changed is rates, insurance rates. James [00:04:19]: They keep going down. Taylor Bowker [00:04:20]: Yeah, that would be amazing. No, similar to a lot of other things, they just keep increasing and by a lot, especially the last couple years. So a lot of other products have come into play to try to help mitigate those premium costs for people. There's a lot of other products out there now that aren't necessarily health insurance as it is defined by, you know, the commissioner of insurance, if you will, or the government. But there are other products out there that are designed similarly to help people, you know, still get the care that they need and save money on their premiums and their out-of-pocket costs. So I would say prices have changed and other products have been developed in the market to try to help with those pieces. James [00:05:08]: And other products, you mean, I guess, help me what you mean by other understand products. Taylor Bowker [00:05:11]: Sure, yeah. So obviously you have typical health insurance. This would be either through, it's all kind of under the Obamacare umbrella as we've known it for a while now. It can be a group plan through an employer that you work with, or it can be an individual plan on the marketplace or direct with an insurance carrier. And that would kind of be your more typical, just average health insurance policy. But as of the last, say, maybe decade, a couple of new products have come out, one of them being referred to as medical cost sharing. So medical cost sharing in layman's terms is essentially a product that you pay a monthly subscription fee for, similar to a premium, and you choose what's called an initial and shareable amount, similar to a deductible, where essentially you're saying, I'm willing to pay this cost upfront in the event that something catastrophic were to happen to me. And so because it's covering you for more catastrophic occurrences and not the full shebang like a regular health insurance policy would,, they tend to be less expensive for certain people in certain situations. Taylor Bowker [00:06:24]: Those types of products also work really well for lucky individuals that are more healthy, that don't necessarily use their benefits all the time, but just want something there in case. That also works well with what's called direct primary care, which is a newer model, at least around the Madison area. It's where you work with a primary care doctor directly. So they're not affiliated with any any hospital systems. You do pay them a small monthly subscription fee to utilize their services. However, it's, it's really very worth it because a direct primary care doctor is always going to make sure they have same-day or next-day appointments available for their patients, which is very unheard of nowadays. Yeah, unfortunately. And then they can also do a myriad of things for you, you know, because you're paying that monthly fee. Taylor Bowker [00:07:18]: They can run labs for a couple of dollars, which is also very crazy to say. They can run prescriptions for people at cost. If you have an appointment with them, it'll be either a 30-minute or an hour-long time block, which again is not very common if you go to a clinic through a hospital system. They can help you with most acute and even urgent care needs as well. So that can just be, yeah, those two things specifically go hand in hand pretty well together. There's also things out there that have been out there for a while, like short-term policies, you know, through UnitedHealthcare or Allstate or something like that. Those can be less expensive for folks,

“I do not believe we should be testing to test. We have to know, is this test going to change management and is it going to make a difference,” says pediatric allergist-immunologist Dr. Zachary Rubin. His knack for providing that sort of straightforward guidance explains why Dr. Rubin has become a trusted voice on allergies, asthma, and vaccines for his millions of followers on social media platforms. It's also why we couldn't ask for a better guide for our discussion on the rise in allergies, asthma, and immune-related conditions in children, and how families can navigate the quickly evolving science and rampant misinformation in the space. On this episode of Raise the Line, we also preview Dr. Rubin's new book, All About Allergies, in which he breaks down dozens of conditions and diseases, offering clear explanations and practical treatment options for families. Join host Lindsey Smith for this super informative conversation in which Dr. Rubin shares his thoughts on a wide range of topics including: What's behind the rise in allergic and immune-related conditions.Tips for managing misinformation, myths and misunderstandings. How digital platforms can be leveraged to strengthen public health.How to build back public trust in medicine.Mentioned in this episode:All About Allergies bookBench to Bedside PodcastInstagramTikTokYouTube Channel If you like this podcast, please share it on your social channels. You can also subscribe to the series and check out all of our episodes at www.osmosis.org/podcast

Bob talks with Dr. Keith Smith of the Surgery Center of Oklahoma about how posting cash prices, walking away from government money, and working with self-funded employers created an alternative to the cartel of big hospitals and insurers.Politicians don't build prosperity. Entrepreneurs do. Join Keith Smith, Caitlin Long, Ryan McMaken, Per Bylund, and Timothy Terrell for our first event of 2026: Mises.org/OKCHAThe Mises Institute is giving away 100,000 copies of Hayek for the 21st Century. Get your free copy at Mises.org/HAPodFree

Bob talks with Dr. Keith Smith of the Surgery Center of Oklahoma about how posting cash prices, walking away from government money, and working with self-funded employers created an alternative to the cartel of big hospitals and insurers.Politicians don't build prosperity. Entrepreneurs do. Join Keith Smith, Caitlin Long, Ryan McMaken, Per Bylund, and Timothy Terrell for our first event of 2026: Mises.org/OKCHAThe Mises Institute is giving away 100,000 copies of Hayek for the 21st Century. Get your free copy at Mises.org/HAPodFree

This time on Code WACK! Healthcare premiums aren't the only costs going up. Your pocketbook is also getting hit with higher out-of-pocket costs - like deductibles, co-pays, and coinsurance - often under the radar. How is this hidden cost crisis affecting families - and what can be done about it? We spoke with New York Times bestselling author and leading healthcare reform advocate Wendell Potter. A former health insurance executive turned industry whistleblower, Wendell is now board president of the Center for Health and Democracy and editor-in-chief of HEALTHCARE Un-covered, which investigates healthcare corporations and insurance conglomerates. This is part one of a two-part series. Check out the Transcript and Show Notes for more! Keep Code WACK! on the air with a tax-deductible donation at heal-ca.org/donate.

Host and owner of The Cavu Group, Leslie Short, interviews Cynthia Overton, PHD.Cynthia Overton, PhD, is an author, speaker, and advocate for person-centered care. Her perspective is shaped by her experience after a rare spinal cord injury led to seven weeks in three hospitals, where she sought high-quality care, negotiated with insurance companies, relearned to walk, and transitioned into life with a disability. That journey inspired her book, Clear Cane Chronicles: Shaping the Future of Healthcare Through Person-Centered Care, and ongoing work to develop a digital companion to support people navigating care beyond the clinic.Discussion:1. What is Person-Centered care?2. Health Insurance vs. Care3. What's Missing in our health system4. Being your best advocate5. Building your health care team6. Accessibility has different meanings for: Patient, Hospital, Insurance, Dr.'s, and society...

Plus: What to see, hear, and do in Nevada through the next week.

Some medical procedures and treatments require prior authorization from your health insurance company, meaning you'll need pre-approval before you can receive care. This episode, health care reporter Sarah Boden shares tips on making the prior authorization process as smooth as possible — so you can save yourself frustration and get medical support sooner.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Matt Hampton and Dr Tom Ingegno came into my world the way the best guests always do. They found me first. They pulled me onto their Irreverent Health Podcast, a show that blends medicine, curiosity, and unapologetic nonsense the same way Gen X kids blended Saturday morning cartoons with nuclear-war anxiety. We recorded together, we went off the rails together, and by the end I told them the rule. If you ever come to New York, you sit in my studio. No exceptions.They showed up. They took the hot seat. They told Alexa to shut up. They joked about Postmates. They compared bifocals before I even hit record. From there it turned into a full blown eighties time machine powered by weed policy, AI diagnostics, acupuncture philosophy, art school trauma, cannabis data science, paranormal detours, and the kind of deep cut pop culture references only Gen X survivors can decode.Matt builds AI systems. Tom heals people with needles and a lifetime of East Asian medicine. Together they make healthcare funny without pretending it works. They remind you that curiosity carries weight when the system collapses under its own stupidity.This episode is a reunion of three loudmouths raised on Atari, late night cable, and the hard lesson that you either tell the truth or get flattened by it. Go subscribe to Irreverent Health. These guys earned it.RELATED LINKS• Irreverent Health Podcast• Matt Hampton – Consilium Institute• Envoy Design• Dr. Tom Ingegno – Charm City Integrative Health• The Cupping Book• You Got Sick—Now What?• Matt Hampton on LinkedIn• Dr. Tom Ingegno on LinkedInFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Some medical procedures and treatments require prior authorization from your health insurance company, meaning you'll need pre-approval before you can receive care. This episode, health care reporter Sarah Boden shares tips on making the prior authorization process as smooth as possible — so you can save yourself frustration and get medical support sooner.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

In this special "Best Of" episode of Body Bangin', we are shifting gears from KPIs and cycle times to the most important asset in your shop: your people.The collision industry has one of the highest rates of su*cide across all industries in the United States . It is a high-pressure, male-dominated environment where the "tough guy" culture often prevents us from seeking help .This episode is a reminder that you are not alone, and that taking care of your mind is just as important as fixing the cars.What You'll Learn in This Episode:

Health Affairs' Rob Lott interviews John Scott of the University of Washington about his recent paper exploring findings on the financial fallout from traumatic injuries, highlighting persistent medical debt burdens and the policy gaps that leave many patients unprotected. Order the February 2026 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcast

Hacking The Healthcare System: The Rise Of Subscription-Based DoctorsShould primary care be subscription-based? As the shortage of primary care physicians continues to worsen, many patients are struggling to secure timely appointments within the traditional healthcare system. This week, our expert explores the rise of alternative models that offer quicker access and more personalized attention through membership-based feesGuest: Dr. Jane Zhu, primary care physician, associate professor of medicine, Oregon Health and Science UniversityHost: Elizabeth WestfieldProducer: Kristen Farrah.   The Life-Threatening Link Between Menopause And Heart HealthMenopause is a time of major change in every woman's life, but while many focus on common symptoms like hot flashes, there's a lesser-known threat to long-term heart health. Dr. Priya Freaney reveals the critical importance of recognizing these risks and taking action to reduce the threat of heart disease and heart failure after menopause.Guests: Dr. Priya Freaney, cardiologist, assistant professor of medicine, Northwestern UniversityHost: Greg JohnsonProducers: Kristen Farrah Medical Notes: The New Community Flu Shot, A Better Treatment For Schizophrenia, And How Vitamins Can Protect Male FertilityA breakthrough in mental health treatment is offering new hope for those living with Schizophrenia. Scientists may have found the breakthrough for a flu shot that protects the community. Are vitamins the secret to male fertility? The thrill of the game may be fueling more than just team spirit. Host: Maayan Voss de BettancourtProducer: Kristen Farrah Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This time on Code WACK!  Healthcare premiums aren't the only costs going up. Your pocketbook is also getting hit with higher out-of-pocket costs - like deductibles, co-pays, and coinsurance - often under the radar. How is this hidden cost crisis affecting families - and what can be done about it? We spoke with New York Times bestselling author and leading healthcare reform advocate Wendell Potter. A former health insurance executive turned industry whistleblower, Wendell is now board president of the Center for Health and Democracy and editor-in-chief of HEALTHCARE Un-covered, which investigates healthcare corporations and insurance conglomerates. This is part one of a two-part series. Check out the Transcript and Show Notes for more!  Keep Code WACK! on the air with a tax-deductible donation at heal-ca.org/donate.   

Hacking The Healthcare System: The Rise Of Subscription-Based DoctorsShould primary care be subscription-based? As the shortage of primary care physicians continues to worsen, many patients are struggling to secure timely appointments within the traditional healthcare system. This week, our expert explores the rise of alternative models that offer quicker access and more personalized attention through membership-based fees.Guests: Dr. Jane Zhu, primary care physician, associate professor of medicine, Oregon Health and Science UniversityHost: Elizabeth WestfieldProducer: Kristen Farrah   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you like this podcast, please share it on your social channels. You can also subscribe to the series and check out all of our episodes at www.osmosis.org/podcast

Send us a textDemand for GLP-1 medications has exploded in recent years. What started as a diabetes treatment has quickly become one of the most talked-about forces in healthcare, reshaping how we think about obesity, metabolic disease, access, affordability, and long-term care.But with rapid growth comes confusion: questions about safety, cost, supply constraints, and whether the current system is actually capable of supporting patients for the long haul.Dr. Myra Ahmad, Founder and CEO of Mochi Health joins CareTalk host David E. Williams to discuss what's getting lost in the GLP-1 conversation, why most care models are not built for long-term obesity treatment, and how Mochi is approaching physician-guided metabolic care at scale.

Tune in to hear me chat with Katelyn Mcsorely about what dietitians need to know about coverage outside of traditional employment!  Work with me at KatieDodd.com

Leemore Dafny is a professor of business administration at Harvard Business School and a professor of public policy at the Harvard Kennedy School. Stephen Morrissey, the interviewer, is the Executive Managing Editor of the Journal. L. Dafny. Health Insurance after Corporatization — What Next? N Engl J Med 2026;394:521-523.

Bill Thach has had 9 lines of treatment, over 1,000 doses of chemo, and more scans than an airport. He runs ultramarathons for fun. He jokes about being his own Porta Potty. He became a father, then got cancer while his daughter was 5 months old. Today she is 8. He hides the worst of it so she can believe he stands strong, even when he knows that hiding has a cost.We talk about the illusion of strength, what it means to look fine when your body is falling apart, and how a random postcard in an MD Anderson waiting room led him to Man Up to Cancer, where he now leads Diversity and AYA Engagement. Fatherhood. Rage. Sex. Denial. Humor. Survival. All that and why the words good morning can act like a lifeline.RELATED LINKSFight Colorectal CancerCURE TodayINCA AllianceMan Up to CancerWeeViewsYouTubeLinkedInFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Milwaukee County officials say they were caught off guard when they found out their health insurance contract had lapsed. Democrats introduce a new bill that would legalize marijuana, but it's likely doomed in the state Legislature. And, former Judge Hannah Dugan's lawyers are raising constitutional questions as they look to get her felony conviction overturned.

Health Affairs' Rob Lott interviews Dr. Robert Wachter, Professor and Chair of the Department of Medicine at UCSF, about his new book A Giant Leap: How AI Is Transforming Healthcare and What That Means for Our Future. Wachter reflects on his own daily use of AI as a clinician, the reasons he has grown optimistic about its potential, and the challenges of regulating fast‑evolving technologies. Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcast

What happens when everyone expects someone else to pick up the bill? From a nightmare condo sale to health insurance chaos, this episode is a raw, unfiltered wake-up call on personal responsibility, money, and self-reliance. In this episode, Mary Jo shares a months-long real estate saga that exposed a deeper issue she's seeing everywhere—from first-time homebuyers and realtors, to health insurance, escrow accounts, and even parenting adult children. The common theme? Too many people are handing off responsibility—and expecting others to pay the price. This episode isn't about being harsh. It's about understanding how money actually works, why Infinite Banking is rooted in self-responsibility, and why depending on systems, banks, or government programs can leave you vulnerable. Key Takeaways: Why buyers asking for everything is a dangerous financial mindset How escrow accounts and employer benefits disconnect you from reality The real cost of "someone else will handle it" Why self-insurance and Infinite Banking go hand in hand What parents should (and shouldn't) subsidize for adult kids Chapters: (00:00) – A 20-Year-Old, Sourdough Bread, and Rent Reality (01:25) – The Condo Sale From Hell (04:10) – Buyers, Realtors, and Zero Accountability (09:20) – When You Can't Afford Repairs, You Can't Afford the House (16:45) – Health Insurance, Escrow, and Giving Up Control (21:45) – Generational Expectations & Entitlement (27:50) – Infinite Banking = Self-Responsibility If this episode made you uncomfortable, you probably needed it. Subscribe for more real conversations about money. Share this with someone who needs a reality check. Leave a comment (respectful ones get read). Links & Resources Mentioned: Get the book: https://farmingwithoutthebank.com... Email Mary Jo: maryjo@withoutthebank.com

P.M. Edition for Jan. 27. Health insurers like UnitedHealth Group and Humana were shocked after the Trump administration proposed holding Medicare rates nearly steady next year—a move that could be a big hit to their finances. Anna Wilde Mathews, who covers health insurance for the Journal, discusses what that could mean for patients and the industry's next move. Plus, the Trump administration's immigration crackdown has slowed U.S. population growth. And Amazon is closing its Amazon Fresh and Amazon Go stores, but will open 100 more Whole Foods stores. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark dives into the predatory world of health insurance, where companies are under fire for "strategy-based" claim denials - and consumers are faced with outrageous hospital bills. Clark explains why and how you must self-advocate as a customer.  Also, as power bills surge due in large part to data centers, you're not a sitting duck. Clark argues that you shouldn't have to subsidize the energy needs of big tech, and explores the "secret weapons" available to homeowners and renters alike. Appeal Medical Denials: Segment 1 Ask Clark: Segment 2 Fight The Power (Bills): Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Should You Do if Your Insurance Claim Is Denied? Clark Howard and the Prostate Cancer Foundation How to understand a medical bill and EOB American Medical Association States & Territories How to Freeze Your Child's Credit The U.S. may have a secret weapon against rising electricity prices This startup is building a network of home batteries to help solve the grid's woes How To Save Money on Utilities What Are Solid-State Batteries, and Why Do They Matter for Electric Vehicles? Which Home Security Systems Rank Better Than Ring? Where Should I Set Up My Health Savings Account (HSA)? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices