Podcasts about Open enrollment

Episode 285: Did you know that there comes a time when ALL Christians hit a "Wall" in our spiritual lives? YES, that's right, and today you will hear the last part of today's LIVE workshop Ready To A.R.I.S.E.! Sister, you are in for a real treat because only my email subscribers get access to the ENTIRE workshop (no worries if you are not a subscriber yet-you can still get the whole replay PLUS the workbook by signing up here):  Bit.ly/arisecollective If you are READY to Join TODAY during the 5-day Open Enrollment, then click here: Tinyurl.com/arisemembership Enrollment closes on Wednesday, January 21st, 2026, at midnight!

In this timely episode of Full Circle, we focus on the importance of enrolling in health coverage through Covered California and what Californians need to know before the January 31, 2026 open enrollment deadline.Dr. Monica Soni, Chief Medical Officer and Chief Deputy Executive Director at Covered California, joins the show to explain:What Covered California is and how it serves as California's official health insurance marketplaceHow Covered California helps individuals and families connect to quality, affordable health plansWhy nearly 92% of enrollees receive financial assistanceThe role and impact of Enhanced Premium Tax Credits (EPTCs) and what their expiration means for CaliforniansHow California has stepped in with $190 million in state-funded tax credits for individuals earning up to 165% of the federal poverty levelWhy preventive care should be viewed as an essential, everyday practice—not just something we seek during emergenciesIn the second hour, we slow things down and simplify what can often feel overwhelming:A recap of the key takeaways from the conversation with Dr. SoniA clear explanation of the penalty for not having health insurance and how to weigh it against the risks of being uninsuredWhy reviewing your coverage annually matters—even if you already have a planEncouragement for families to prioritize preventive care, wellness visits, and early interventionEmpowering listeners to make informed, confident decisions about their health and financesThis episode is about demystifying health coverage, reducing fear, and helping our community understand that access to care is both possible and necessary. Open Enrollment Deadline: January 31, 2026Here's what you can do today:✔️ To explore your options, visit Covered California or call them at 1-800-300-1506 ✔️ Check if you qualify for financial assistance or state-funded tax credits✔️ Compare plans and costs—don't assume you can't afford coverage✔️ Consider the penalty for being uninsured and weigh it against the cost of coverage and preventive careHealth insurance is not just about avoiding penalties—it's about protecting your future, your family, and your peace of mind.Listen. Learn. Enroll. Because informed choices lead to healthier lives.

Open Enrollment starts on January 20th which means it's decision time for parents and students on where they want to go to school next. Rob Spicker sits with Assistant Director of Capital Planning Dr. Adam Molloy to talk about the process and some changes that could impact your decision. #podcast #leecounty

David Stokes, Elias Tsapelas, and Avery Frank join host Zach Lawhorn to discuss the expiration of enhanced Affordable Care Act subsidies, new federal proposals aimed at lowering healthcare costs through cost sharing, employer coverage reforms, and prescription drug transparency. They also break down the latest installment of David Stokes' Free Market Guide for Missouri Municipalities on parks and recreation, the role of user fees and outsourcing, national polling on public school open enrollment and why parents strongly support it, what they are watching as the 2026 legislative session approaches, and more. Link to the national survey: https://yeseverykidfoundation.org/new-national-poll-shows-americans-demand-more-family-first-k-12-education/ Produced by Show-Me Opportunity

Woke By Accident- Sambaza Podcast Collaboration Episode Details Guests: Tiffany B, Registered Nurse (Co-Host, Sambaza Podcast) Open enrollment is here! Join us for expert tips from Registered Nurse Tiffany B., a 20-year health professional breaking down what you need to know about rising premiums and your best coverage options for 2025. Don't miss out—your choices matter! #OpenEnrollment #Healthcare2025 Sambaza's Content https://podcasts.apple.com/us/podcast/sambaza/id1520678096 https://www.instagram.com/sambazapodcast/ Podcast Information Website: www.wokebyaccident.net Streaming Platforms: Available on all your favorite streaming platforms Sponsors Poddecks: https://www.poddecks.com?sca_ref=1435240.q14fIixEGL Affiliates Buddys Pet Referral Link: 30% discount https://buddyspet.net/?ref=JENSBUDDY Opus Clips: https://www.opus.pro/?via=79b446 StreamYard: https://streamyard.com/pal/d/5989489347657728 Whatnot: https://whatnot.com/invite/jendub Poshmark: https://posh.mk/bDYu5ZMwbTb (Receive $10 to shop using this code) Benable:Benable is an app to share your favorite things, and earn from 40,000 brands. Skip the waitlist with my link: https://benable.com/i/P7PKR Diggin Her Roots Boutique             https://digginherroots.com/?ref=kcamtpog             Or code Jendub1908 Skool https://www.skool.com/signup?ref=cc2086ec5ba04247bf935526f9bb8db6 Music Soul Searching · Causmic Last Night's Dream — Tryezz Funkadelic Euphony- Monz    

The first Open Enrollment deadline for Californians who want health coverage starting January 1st is quickly approaching.  But, people in our own community have questions about their health insurance options and how federal decisions may shape costs in the new year. Tune in for Jessica Altman, Executive Director of Covered California on how they can help consumers understand that there are options available to meet their health care needs and their budgets. https://www.coveredca.comMoments with Marianne airs in the Southern California area on KMET1490AM & 98.1 FM, an ABC Talk News Radio Affiliate!  https://www.kmet1490am.comFor more show information visit: https://www.mariannepestana.com/

As the year comes to a close, young investors have a unique opportunity to make small moves that can compound into meaningful long-term results. In this episode, we walk through a practical, end-of-year checklist designed for early-career investors who want to stay organized, tax-aware, and financially disciplined. Lance Roberts & Jonathan Penn cover how to confirm you're capturing all available employer benefits, including 401(k) or 403(b) matches and vesting schedules. We also discuss how to think about Roth IRAs, HSAs, and other tax-advantaged accounts early in your career—when time is often your greatest asset. On the investment side, we review simple allocation checks, diversification risks, and why staying invested through volatility matters. We also highlight tax-smart considerations like capital gains awareness, loss harvesting, and stock-compensation planning for ESPPs and RSUs. Finally, we address the foundational elements of financial stability: emergency savings, cash management, credit health, and high-interest debt. This checklist is not about speculation—it's about building durable financial habits that support long-term wealth creation. 0:00 - INTRO 0:19 - Wealth by Brackets 3:39 - Will the Santa Rally be Delayed? 9:02 - Open Enrollment & Benefits Tips 16:12 - 401k/IRA Contributions & Employer Matches 24:26 - Investment Choices in 401k's 26:56 - Tracking Down old 401k's 29:38 - Understanding Vesting Schedules 32:29 - Catching Up in 401k 33:58 - Wills, Estate Plans, & Beneficiary Designations 36:26 - Checking for Leakage 39:55 - Annual Credit Report Review 41:18 - Comniog Attractions Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=3Wyudzh3naw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Data, Volatility & Santa Rally Risk," is here: https://youtu.be/gnorFZc1qM8 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Facing Your Financial Ghosts," here: https://www.youtube.com/watch?v=Ypp_HKgciow&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #SantaClausRally #Volatility #RiskManagement #StockMarketAnalysis #YoungInvestors #PersonalFinance #YearEndPlanning #InvestingBasics #FinancialWellness

Open enrollment can feel like a blur of forms, jargon, and guesses — but the choices people make in these few weeks have a massive impact on their finances for the entire year. In this episode, Ryan and Andrew break down the most common mistakes employees make when selecting benefits… and the simple, strategic moves that can save real money.From HSA vs. PPO decisions, disability insurance pitfalls, and life insurance traps to dependent care strategies and employer match misunderstandings — this is a practical, no-nonsense guide to getting benefits right. Whether you're an employee, HR leader, or business owner, you'll gain clarity on what to choose, what to skip, and how to maximize the compensation you're already earning.Perfect for anyone heading into open enrollment or helping others navigate it.

The results of a violent crime initiative in Indianapolis can be seen in this year's data report from the city's police department. Indiana has increased cash assistance for low-income families under recent welfare reforms. Indiana health officials are extending open enrollment for two major Medicaid programs through December 24. Incoming classes to Purdue University will now have to learn about AI in order to graduate. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Zach Bundy, with support from News Director Sarah Neal-Estes.

This is the story of Simple Health Plans, a $150 million health insurance scam that preyed on desperate Americans and left thousands buried in medical debt. We'll meet Dawn, who nearly fell victim to their scheme, and Steven Dorfman, the mastermind who spent over a million dollars on jewelry while his customers discovered their "insurance" was worthless. With Open Enrollment happening right now, scammers are out in full force. This episode will help you spot the red flags and protect yourself. PROTECT YOURSELF - ESSENTIAL RESOURCES Verify a Company is Legitimate: - NAIC.org - Find your state insurance commissioner - Google: Company name + "scam" or "complaint" Shop for Real ACA Health Insurance: - HealthCare.gov - Federal Marketplace - LocalHelp.HealthCare.gov - Get free help from navigators Report Fraud: - ReportFraud.FTC.gov - File FTC complaint - Contact your State Insurance Department RED FLAGS: ✗ Not listed with state insurance department ✗ Pressure to sign up immediately ✗ Won't provide documents before purchase ✗ Suspiciously low prices ✗ Can't ask questions during "verification" Learn more about your ad choices. Visit podcastchoices.com/adchoices

In today’s episode of The Built Different Podcast, Dr. Zach Clinton sits down with Marq James, Chief Sales & Marketing Officer at Christian Care Ministry, the organization behind Medi-Share, the nation’s leading Christian healthcare sharing program. Marq unpacks the powerful origin story of Christian Care Ministry, explains the difference between healthcare sharing and traditional insurance, and shares how Medi-Share offers a biblical, community-centered alternative rooted in generosity, stewardship, and the early church model in Acts. Together, Zach and Marq break down why healthcare costs are skyrocketing, what families need to know during Open Enrollment, and how healthcare sharing can create significant financial margin without compromising Christian conviction. The conversation also dives deep into the issues families are facing right now, from the post-COVID mental health crisis, to the rising need for whole-person care. Marq shares how CCM is meeting these challenges through expanded counseling access, Christ-centered support, and a culture shaped by prayer, Scripture, and spiritual wellness. Drawing from his own battle with long-term COVID symptoms, Marq reflects on how his faith grounded him through recovery and why spiritual health must return to the center of the healthcare conversation. If you’ve ever wondered whether faith-based healthcare sharing is right for your family, this episode provides the clarity, hope, and practical insight you need. Links: Find Our More About Christian Care Ministry: https://shorturl.at/aBBDX Find Out More About Medishare: https://shorturl.at/UIa9l Get Clinically Excellent, Distinctively Christian Counsel or Care Today: https://christiancareconnect.com/ Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

There have been lots of changes to the HealthCare Marketplace this year. From staff cuts to subsidy end dates, there is a lot to discuss to ensure Arizonans who need health care coverage know where to get help and what they can expect. Joining us from the Arizona Alliance for Community Health Centers is Claudia Maldonado, who oversees Arizona's navigator grant from the Federal government. Links: Cover Arizona Connector to Schedule an Appointment Find a community health center - AACHC Health insurance plans & prices | HealthCare.gov

In this episode, Tyler and Rick discuss the challenges faced by Leg Up Health during open enrollment, including issues with email communication and the impact of AI on consumer behavior. They explore the current health insurance landscape, the importance of product strategy and customer experience, and the role of content in engaging customers. The conversation also touches on shifts in search traffic and marketing strategies as they adapt to changing consumer needs.

Open Enrollment season is here—and it's one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire. Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which “it'll never happen to me” benefits can make or break your financial stability. We'll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you're getting the most value out of your compensation package. Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the “fun stuff” like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes. 0:00 - INTRO 0:19 - Pennies are Going Away 5:02 - Open Enrollment Season is Here 7:40 - ADP Benefits Survey Results 13:04 - Understanding the Difference Between HSA vs FSA 17:40 - Retirement Savings Plans - Roth vs 401k 14:58 - Group Health Insurance vs ACA 21:40 - Mental Health Coverage 23:26 - Dental & Vision Coverage Options 27:13 - Don't Be Complacent 27:55 - On-site Facilities - Wellness & Day Care 29:57 - Disability Coverage - Max It Out 32:10 - Life Insurance Coverages 34:08 - How Kids Age Us 37:22 - Childcare Benefits

Open Enrollment season is here—and it's one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire. Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which "it'll never happen to me" benefits can make or break your financial stability. We'll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you're getting the most value out of your compensation package. Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the "fun stuff" like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes. 0:00 - INTRO 0:19 - Pennies are Going Away 5:02 - Open Enrollment Season is Here 7:40 - ADP Benefits Survey Results 13:04 - Understanding the Difference Between HSA vs FSA 17:40 - Retirement Savings Plans - Roth vs 401k 14:58 - Group Health Insurance vs ACA 21:40 - Mental Health Coverage 23:26 - Dental & Vision Coverage Options 27:13 - Don't Be Complacent 27:55 - On-site Facilities - Wellness & Day Care 29:57 - Disability Coverage - Max It Out 32:10 - Life Insurance Coverages 34:08 - How Kids Age Us 37:22 - Childcare Benefits

If open enrollment season makes your eyes glaze over faster than a holiday spreadsheet, this one's for you. In Part 3 of the Smart Money Moves Before Year-End series, Shari dives into all the hidden ways you can squeeze more value out of your paycheck before December 31. From health plans to hidden perks, this is your reminder that benefits are part of your compensation — and it's time they pulled their weight. You'll walk away with: A step-by-step guide to reviewing your health, dental, and vision plans The real difference between FSAs and HSAs (and how to use them wisely) A strategy for planning your bonus before it hits your account A quick insurance checkup to make sure you're covered, not overpaying The overlooked perks most people forget they already have access to Because if you're going to work this hard for your benefits, they should be working just as hard for you. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Many people say our healthcare system is broken—and maybe you've felt that yourself.Rising costs, denied claims, and surprise bills have left millions of Americans buried in medical debt. But there's a better, biblical way to approach healthcare—one that has been serving Christians for more than forty years. Lauren Gajdek joins us today to tell us all about it.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why an “Open Enrollment” Campaign for a Year-Round Ministry?While CHM accepts new members year-round, their Open Enrollment Campaign—running from November 1 through January 15—aligns with the period when most Americans review or change their health coverage through employers or government exchanges.This is the time of year when people are thinking about healthcare decisions. So even though CHM is open year-round, it's an excellent opportunity to shine a light on a biblical alternative.Many Americans have grown frustrated with their healthcare experiences. CHM hears from countless people who've paid premiums for years, only to find that help is unavailable when they need it most.It's disheartening. You think your provider is in-network, but later find out they're not. That leaves patients confused and financially burdened. It's a system that often leaves believers wondering if there's a better way.That sense of frustration has become widespread—especially as over 100 million Americans now carry medical debt, a staggering sign of a broken system.How CHM Differs from InsuranceCHM operates from a radically different model. Rather than paying into a profit-driven system, CHM members share each other's medical expenses—a reflection of biblical community and mutual care.They've been around since 1981 and have shared or satisfied over $13 billion in medical bills. They're a nonprofit ministry that helps Christians live out their faith through practical care.Unlike traditional insurance, CHM members can visit any doctor or hospital they choose—there are no in-network restrictions—as long as the treatment meets the ministry's guidelines.It's simple, affordable, and rooted in biblical stewardship. Members have the freedom and peace of mind that come with knowing they're part of a community that cares.At its core, CHM is not an insurance company—it's a Christ-centered community built on shared values. Members give monthly to help other believers in need. It's an act of faith and stewardship. And for most people, it's far more affordable than traditional plans.This affordability and flexibility are especially appealing for Christians seeking to align their healthcare decisions with their faith and values.Guidance for Those Exploring Their OptionsFor anyone comparing healthcare choices this season, approach the decision prayerfully and with an open mind.You don't have to be trapped in a broken insurance system. There's a proven, Christ-centered way to handle your healthcare. Go to CHMinistries.org/FaithFi to find a cost comparison tool that shows how CHM can make care more affordable.Many in the Faith & Finance audience are retirees or nearing retirement. So it's important to note that CHM also complements Medicare, helping cover eligible expenses Medicare may not cover.It's what they call a ‘complementary' approach, where CHM can help cover costs Medicare doesn't pay, as long as they fall within its guidelines.FaithFi is grateful for CHM's partnership and their ongoing commitment to helping believers steward their healthcare costs wisely. You don't have to settle for a system that's broken. There's a biblical, community-based way to manage your healthcare needs. Learn more at CHMinistries.org/FaithFi.On Today's Program, Rob Answers Listener Questions:A pastor friend of mine was told he owes $13,000 in taxes because his preparer made a mistake. He doesn't have the money to pay for it. Where can he turn for help?I own a small business structured as an LLC, and I'm confused about how to tithe. Should I tithe personally from what I pay myself, from the business profits at year-end, or both?I'm a pastor, and one of my church members is struggling. After his father's death, the estate was liquidated, leaving him without a home. He hasn't filed taxes and now has tax debt. What's the best way for him to address this?I'm looking into a debt management plan and wondering—will it hurt my credit score? And would I still be able to keep one credit card open for emergencies?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)National Christian Foundation (NCF)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Rising costs, denied claims, and surprise bills have left millions of Americans buried in medical debt. But there’s a better, biblical way to approach healthcare—one where Christians have been served for more than forty years. On the next Faith & Finance Live, Lauren Gajdek joins Rob West to tell us all about Christian Healthcare Ministries. Then, it’s your calls. That’s Faith & Finance Live, where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

The open enrollment period for ACA plans has begun and is also active for many employer-provided plans.

The R&I guys are back! Host First Officer Ryan Argenta sits down with Captain Scott Bowles and Captain John Doherty from ALPA's Retirement & Insurance Committee to talk smart money, savvy timing, and how pilots can make major-league financial plays through the new Non-Qualified Deferred Compensation (NQDC) plan. Whether you're eyeing tax strategy, income flexibility, or long-term planning, learn how to harness a little Bobby Bonilla energy - turning today's earnings into tomorrow's steady paychecks. We cover eligibility, tax-deferral tactics, in-service vs. retirement/termination distributions, market exposure, and practical risk checks, including insolvency considerations and timing gotchas. After the break, we shift to Open Enrollment 2026: plan changes, HSA reminders, GVUL considerations (including the imputed-income play), and simple to-dos so you don't leave money on the table. It's practical, pilot-specific financial insight with a side of humor and real-world strategy. An overview of the NQDC and related MOU details can be found in R&I Update 25-03. The FAQs can be accessed directly at Newport NQDC FAQs. The first round of Newport-hosted webinars has concluded; however, pilots can watch a replay of the Plan Design Overview Meeting  via Deltanet. Disclaimer: This episode is for informational and educational purposes only and is not financial, tax, or legal advice. Talk with your own financial advisor, tax professional, and/ or attorney before making enrollment decisions.

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. News sources for this episode: MedHOK, “How the Government Shutdown Impacts Open Enrollment: What Health Plans and PBMs Need to Know,” October 29, 2025, https://mhk.com/resource/blog/government-shutdown-healthcare-impact-on-open-enrollment-what-health-plans-and-pbms-need-to-know/.  Medicare, “Open Enrollment,” https://www.medicare.gov/health-drug-plans/open-enrollment. Madeline Ashley, “22 hospital closures in 2025,” October 22, 2025, https://www.beckershospitalreview.com/finance/2-hospital-closures-in-2025/, Becker's Hospital Review.  Madeline Ashley, “26 maternity service closures in 2025,” October 21, 2025, https://www.beckershospitalreview.com/finance/7-maternity-service-closures-in-2025/, Becker's Hospital Review. Rylee Wilson, “18 behavioral health closures in 2025,” June 25, 2025, https://www.beckersbehavioralhealth.com/behavioral-health-news/5-behavioral-health-closures-in-2025/, Becker's Hospital Review.  Soumya Shashikumar, MBiotech, “Health Layoffs 2025: A Roundup,” October 2, 2025, https://xtalks.com/healthcare-layoffs-2025-a-roundup-4102/, Xtalks. U.S. Department of Veterans Affairs, “VA to reduce staff by nearly 30k by end of FY2025,” July 7, 2025, https://news.va.gov/press-room/va-to-reduce-staff-by-nearly-30k-by-end-of-fy2025/#:~:text=WASHINGTON%20%E2%80%94%20The%20Department%20of%20Veterans,scale%20reduction%2Din%2Dforce Jennifer Brown, “Suicides devastated and galvanized Routt County, which now has a mental health response team,” October 30, 2025, https://coloradosun.com/2025/10/30/suicides-routt-county-mental-health-response-team/, The Colorado Sun. Public Health, “Suicide in Rural America,” May 16, 2024, https://www.cdc.gov/rural-health/php/public-health-strategy/suicide-in-rural-america-prevention-strategies.html, CDC Rural Health. Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com.

Morning news and opinion...we do not want the kids voting for socialism, but our whole U.S. system is filled with it already. Tony Holland, managing partner at Integrity dot com - tips on Open Enrollment for Obamacare insurance.

We go over a lil info for the upcoming Open Enrollment Season

Frank is back to drop some very important knowledge about Marketplace Health Care Coverage.Schedule time with Frank hereOur Sponsors:* Check out Secret Nature and use my code ZANE for a great deal: https://secretnature.com* Check out Uncommon Goods: https://uncommongoods.com/zaneSupport this podcast at — https://redcircle.com/the-eric-zane-show-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Learn how to pick dental, vision, life, and disability coverage with confidence, and when refinancing a home can actually save you money. Is now a good time to refinance your mortgage? Which open enrollment benefits are worth it this year? Hosts Sean Pyles and Elizabeth Ayoola talk to an expert about the ins and outs of open enrollment in 2026. But first, news Nerd Anna Helhoski joins them to share her conversation with NerdWallet mortgage writer Holden Lewis about falling mortgage rates and what they mean for buyers, sellers, and homeowners. They begin with a discussion of refinancing and today's housing market, with tips and tricks on using a refinance calculator, how much of a rate cut to target, weighing closing costs and the break-even timeline, and other smart reasons to refi. Then, benefits expert April Brasher, knowledge advisor at the Society for Human Resource Management (SHRM), joins Sean and Elizabeth to discuss open enrollment choices beyond health insurance. They discuss what dental and vision plans usually cover and what they don't, how and when to add to group life insurance provided by some workplaces, and how disability insurance works. They also discuss when accidental death and dismemberment (AD&D), hospital indemnity, and critical illness policies can make sense, how to avoid being over-insured, and why taking a quick personal and financial inventory before enrollment deadlines helps you choose only what you need. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: mortgage rates, refinance mortgage, refinance break-even, FHA mortgage insurance, remove FHA MIP, conventional vs FHA loan, housing market outlook, best time to buy a house, home buying season, mortgage closing costs, homeowners insurance shopping, lower mortgage payment, Fed rate cuts, housing inventory, open enrollment, dental insurance, vision insurance, life insurance through employer, supplemental life insurance, beneficiary designation, evidence of insurability, AD&D insurance, disability insurance, short-term disability, long-term disability, own occupation vs any occupation, hospital indemnity insurance, critical illness insurance, high deductible health plan, and limited purpose FSA. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Open enrollment for 2026 is underway — and for millions of Americans managing chronic or rare diseases, understanding your health insurance options is essential. In this episode of The Health Advocates, Steven Newmark breaks down what open enrollment is, what’s new this year, and how to navigate changes in your plan. Drawing from Aimed Alliance’s 2026 Open Enrollment guide, Steven explains key terms like deductibles and out-of-pocket limits, explores what to watch for in your plan’s formulary, and outlines the impact of potential changes to ACA subsidies. Whether you’re reviewing employer coverage or shopping through HealthCare.gov, this episode will help you make informed, patient-centered choices for the year ahead. Listen and learn: What to look for in your 2026 plan How to protect your access to medications and providers Why ACA subsidies and transparency rules matter for affordability Contact Our Host Steven Newmark, Chief of Policy at GHLF: snewmark@ghlf.org A podcast episode produced by Ben Blanc, Director, Digital Production and Engagement at GHLF. We want to hear what you think. Send your comments in the form of an email, video, or audio clip of yourself to podcasts@ghlf.org Listen to all episodes of The Health Advocates on our website or on your favorite podcast channel.See omnystudio.com/listener for privacy information.

Learn how to pick the right health plan for your situation and build a stronger retirement even if you feel behind. How do you choose the best health plan during open enrollment? What can you do to secure retirement if savings feel like they're falling short? In the first of a two-part series, hosts Sean Pyles and Elizabeth Ayoola break down open enrollment decisions so you can protect your health and long-term wealth. But first, NerdWallet senior writer Kim Palmer joins them to present this month's book club conversation about Gen X's path to retirement security. She talks to Kerry Hannon and Janna Herron, authors of “Retirement Bites: A Gen X Guide to Securing Your Financial Future,” about how to take control of retirement even when you feel like you're late to the game. That includes revisiting cash flow and lifestyle creep, attacking high-interest debt, considering step-down or flexible work to extend earning years, and planning for healthcare costs in retirement.   Then, NerdWallet writer Kate Ashford joins Sean and Elizabeth to present a clear walkthrough of healthcare plans as we enter open enrollment season. She discusses premiums vs. deductibles vs. out-of-pocket maximums, when an HMO or PPO fits best, and how Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) work — including the triple-tax edge of HSAs. They share practical, listener-first guidance on running plan comparisons, checking drug prices and doctor networks, watching ACA subsidy changes and deadlines, and building a values-driven, realistic retirement health plan you can start acting on today. From comparing health insurance plans to understanding out-of-pocket costs, here's NerdWallet's free step-by-step guide to help you choose the best coverage: https://www.nerdwallet.com/article/health/choose-health-insurance  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: health coverage options, ACA marketplace, premium tax credits, health insurance subsidies, annual enrollment period, insurance plan comparison, coinsurance examples, copay structure, catastrophic health plans, employer benefits package, dependent coverage, preventive care coverage, out-of-network costs, provider networks, telehealth coverage, prescription tiers, pre-tax savings, IRS contribution limits, healthcare inflation, medical cost planning, retirement healthcare expenses, long-term care costs, catch-up contributions, IRA rollover, compound growth, late retirement planning, work after retirement, side income in retirement, debt-free retirement, financial independence, budgeting for healthcare, reducing healthcare costs, maximizing employer benefits, flexible work transition, delayed retirement, insurance renewal tips, healthcare budgeting, and cost-of-living planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tomorrow is Election Day for many communities across Minnesota. Most polling places are open from 7 a.m. to 8 p.m., and Minnesota offers same-day registration, as long as you have proof of residence. Open enrollment for state health care plans started Saturday, and many Minnesotans are seeing steeper prices for coverage next year.Those stories and more in today's evening update from MPR News. Hosted by Emily Reese. Music by Gary Meister.

Two judges rule that it's unlawful for President Trump to suspend SNAP food benefits. With higher premiums and a government shutdown, open enrollment for health insurance is different this year. Higher electricity prices are factoring into who voters in New Jersey and Virginia pick as their governors.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Open enrollment season is underway and many people looking to purchase their health insurance through the Affordable Care Act are seeing sticker shock. Health care subsidies that are at the center of the government shutdown are expected expire at the of the year, causing premiums to double. Health economist Katherine Baicker explains the cost of Obamacare, how it works, and claims being made about the program.And, listeners submitted their insurance questions about topics including affordable prescriptions and high-deductible plans. Hannah Frigand from HelpLine and Emilie Fauchet, an Affordable Care Act navigator, join us to answer those questions.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Elisabeth Benjamin, vice president of Health Initiatives at the Community Service Society and co-founder of the Health Care for All New York Campaign, talks about what people can expect with next year's health insurance costs and how the government shutdown over ACA subsidies will affect open enrollment.The live-answer helpline to reach a Navigator at CSS is:  1-888-614-5400The New York State of Health Marketplace phone number is:  1-855-355-5777The Get Covered New Jersey (Official state health market place) phone number is: 1-833-677-1010

A standoff in Congress is keeping much of the federal government shut down as open enrollment begins in most states for Affordable Care Act plans. Democrats have refused to vote on spending until Republicans agree to extend more generous ACA premium tax credits, but so far there has been little negotiating — even as customers are learning what they'll pay for coverage next year. Meanwhile, the Trump administration is telling states they can't pass their own laws to keep medical debt off consumers' credit reports, after killing a Biden-era effort to end the practice nationwide. Paige Winfield Cunningham of The Washington Post, Alice Miranda Ollstein of Politico, and Maya Goldman of Axios join KFF Health News' Julie Rovner to discuss those stories and more. Plus, for “extra credit” the panelists suggest health policy stories they read this week that they think you should read, too: Julie Rovner: KFF Health News' “Many Fear Federal Loan Caps Will Deter Aspiring Doctors and Worsen MD Shortage,” by Bernard J. Wolfson. Alice Miranda Ollstein: ProPublica's “Citing Trump Order on ‘Biological Truth,' VA Makes It Harder for Male Veterans With Breast Cancer To Get Coverage,” by Eric Umansky.  Paige Winfield Cunningham: The Washington Post's “Study Finds mRNA Coronavirus Vaccines Prolonged Life of Cancer Patients,” by Mark Johnson.  Maya Goldman: KFF Health News' “As Sports Betting Explodes, States Try To Set Limits To Stop Gambling Addiction,” by Karen Brown, New England Public Media.  

Support #Millennial! Pledge on Patreon and receive lots of perks: https://patreon.com/millennial Visit our merch store: https://shop.millennialshow.com Watch episodes on YouTube: https://www.youtube.com/@millennialpodcast It's election season (again), and we've got the scoop on what's at stake, from Georgia's high-stakes Public Service Commission races to California's bold Prop 50 redistricting move. Meanwhile, SNAP benefits hang in the balance and Open Enrollment looms, making November a month where politics and real life collide. It's rough out here, y'all. Then, Andrew leads us into the world of gaming, where a new generation of players say video games are boosting problem-solving, friendships, and even mental health. We dig into whether those claims hold up, share our own gaming habits, and hear from listeners about the titles that have them hooked (from Hades 2 to Powerwash Simulator 2). As always, we've got the best recommendations on deck: The Aura Frame (Andrew), Blue Prince (Laura), and checking out your local Library of Things (Pam). And in this week's After Dark: Pam makes the case for ranking your friends. Is it helpful self-awareness or emotional chaos? Let's talk about why knowing your “besties hierarchy” might actually make you a better friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's that time again…open enrollment season. And while we know this topic doesn't get anyone out of bed in the morning, it SHOULD. Because buried in that HR email you ignored is a decision that could cost or save you thousands.This week, we're breaking down why so many people just auto-renew last year's health plan, what rising premiums in 2026 actually mean for your wallet, and how AI can help you stop making five-figure decisions based on casual conversations with your coworkers.We talk about:Why health insurance is quietly eating your raiseHow to sniff out hidden changes in your 2026 planUsing AI to compare plans without becoming an expertThe power of a good prompt and what to include in yoursWhy planning for next year's pregnancy, braces, or mental health care needs to happen right now Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

I joined CBS Mornings to break down what you need to know about open enrollment and picking the best health insurance plan for you and your family. Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

n this week's episode, Communications Committee Chair Matt McCants has some elections reminders and quick ways to vote if you haven't cast your ballot for the Fall General Election. He also goes over how to access the options for your Southwest Airlines Medical Open Enrollment, which runs until November 5. This covers your selection of medical, dental, and vision plans along with life insurance, updating your beneficiaries, and Loss of License (LOL) taxable vs non-taxable selection. Check your company email for messages on October 16 and 23 for all the details on how to get started.  This edition also teases the big SWAPA Numbers coming up with the Contract Administration and Scheduling & Analytics Committees. If you have a question that you would like Contract Admin to address on the show, shoot them a note at CAC@swapa.orgwith “Podcast” in the subject line. Also make sure you have the latest version of the Scheduling Handbook – with all the scheduling related traffic of late, this is a great resource.  The Q&A this week focuses on vacation and month-to-month overlap questions, so listen in to be ready for vacation trading when it opens on November 1 at 1200CT.If you have any feedback for us at all, please drop us a line at comm@swapa.org or tap here to send us a text.Follow us online:Twitter - https://twitter.com/swapapilotsFacebook - https://www.facebook.com/swapa737

It's that time of year again when many Americans have to choose a health insurance plan — a decision that will affect, and possibly haunt them throughout the entire year. Worst of all: many are forced to make a choice with imperfect information. To help walk us through open enrollment, Dr. Sanjay Gupta talks to Elisabeth Rosenthal, the doctor turned health journalist (and author who wrote An American Sickness: How Healthcare Became Big Business and How You Can Take It Back), who has made it her mission to demystify the process. This episode was produced by Andrea Kane and Sofía Sanchez Showrunner: Amanda Sealy Senior Producer: Dan Bloom Technical Director: Dan Dzula Learn more about your ad choices. Visit podcastchoices.com/adchoices

Premiums for people who get their health insurance through the Affordable Care Act marketplace are set to jump by thousands of dollars when open enrollment begins in a couple of weeks. Cynthia Cox, vice president at independent health policy organization KFF, joins us.Then, the Israeli-occupied West Bank has seen an increase in violence against Palestinians by both Israeli settlers and the military in the two years since Israel's war against Hamas in Gaza began. Journalist Dalia Hatuqa talks about how the past couple of years of violence in Gaza have impacted Palestinians living in the West Bank. And, have you heard of the grue jay? Study author Brian R. Stokes talks about the rare hybrid offspring of a blue jay and green jay, seen for likely the first time in the wild.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Open Enrollment Reactivation: How Clinics Turn Past Patients into Six-Figure Months (with Jeremy Dupont) In this episode, Doc Danny Matta sits down with Jeremy Dupont (founder of Patch) to break down the most reliable campaign in cash PT: Open Enrollment. They cover simple and advanced playbooks for reactivating past patients, the offers that convert (and why), how to mobilize your team, and what realistic results look like for a growing clinic. Quick Ask Help us move toward our mission of adding $1B in cash-based services to physical therapy—share this episode with a clinician friend or post it on your Instagram stories and tag Danny. He'll reshare it! Episode Summary Low-hanging fruit: Reactivation beats cold lead gen. Past patients already know, like, and trust you—bring them back with a clear, time-bound offer. Timing that works: Run Open Enrollment mid-September to early November to avoid competing with Black Friday and holiday noise. Proven offers: Classic 12 for 10 pack (two “free” visits or a clear $-savings) and a higher-commitment 24 for 20 pack (often on a 3-pay plan) to grow LTV and stabilize MRR. Clinical cadence: Frame packages for twice-monthly visits (habit & outcomes), not “stretch it for a year.” Families often share bigger packs. FSA nudge: “Use it or lose it.” Encourage spending FSA dollars before year-end; HSA rolls, FSA often doesn't. Manual > fancy: Individual reach-outs (text, call, in-person) outperform gimmicks. Emails nurture; humans convert. Team power: Involve providers in personalized follow-ups. Incentives like a Christmas week off can crush goals. Results you can expect: A clinic with an owner + two staff PTs commonly sells 20–30 packages when they execute well. Lessons & Takeaways Offer clarity wins: Know exactly what you're selling and how you'll message savings and value. Context is king: Choose channels and scope based on capacity. Don't flood a full schedule. Nurture all year: A warm list responds; a cold list ignores asks. Give value before you ask. Plan the calendar: Open Enrollment → Black Friday → Holidays → New Year. Map campaigns, staffing, and hiring to demand. Mindset & Motivation It's an ecosystem: Reactivation is part of your hiring, space, continuity, and cashflow strategy—not a one-off promo. Follow-up is a skill: Segmented, human follow-up turns “maybe later” into revenue now. Give, give, ask: Consistent education builds reciprocity. Then earn the right to sell. What Works (Tactical) Simple path (solo or lean): Pick one clear offer (12 for 10), email your list, text/call past patients, and have providers invite current patients who are nearly out of visits. Advanced path (bigger teams): 5–6 email drip over 2–3 weeks, landing page specific to Open Enrollment (not your contact page), track opens/clicks and manually follow up with “warm” engagers. Personalization buckets: Current patients with 2–3 visits left, past patients who finished care recently, old leads who inquired but didn't buy—each gets tailored copy and a direct ask. Motivate the team: Group goals (e.g., hit X packages = Christmas week off). Time off > small cash bonuses. Avoid time wasters: Fancy video email “personalization” tools didn't move the needle. In-person and 1:1 messages did. Notable Quotes “Reactivation is the lowest hanging fruit—people who already trust you just need a clear reason to come back.” “If the last time you emailed your list was last Open Enrollment, don't expect fireworks.” “Less is more: pick the right window, keep the offer simple, and follow up like a pro.” Pro Tips for Owners Define the offer: Choose 12 for 10 or 24 for 20 (with 3-pay). Set the clinical cadence (2x/month). Own the landing page: Dedicated Open Enrollment page with a single CTA—don't dump traffic on a generic contact form. Mine your analytics: Build manual follow-up lists from people who opened multiple times or clicked the CTA. Right-size promotion: If you're at capacity, keep it tight (email + in-clinic). If you're feeding 6–7 PTs, amplify everywhere. Think families: Position bigger packs for active households who'll share visits across the year. Action Items Pick your Open Enrollment dates (target mid-Sept to early Nov) and one offer. Spin up a simple landing page with FAQs and a clear “Talk to Us” form. Segment lists: current (low visits left), past 3–6 mo, old leads. Draft 3 tailored scripts. Schedule a 5-email drip and build warm-engager follow-up tasks for your team. Set a team goal & reward (e.g., holiday week off) and daily scoreboard. Programs Mentioned PT Biz Part-Time to Full-Time 5-Day Challenge (Free): Get clear on your numbers, choose your path to full-time, and build a one-page plan. Resources & Links PT Biz Website Free 5-Day PT Biz Challenge Patch (Strategy Calls & Implementation) Follow Jeremy on Instagram: @_jeremydupont (marketing deep dives & Open Enrollment tips) About the Host: Doc Danny Matta—physical therapist, entrepreneur, and founder of PT Biz and Athlete's Potential. He's helped over 1,000 clinicians start, grow, and scale successful cash-based practices across the U.S.

#250: Chris dives into listener questions, covering open enrollment, investing, buying gold, life and auto insurance, RSUs, practical ways to leverage AI tools and more. Link to Full Show Notes: https://chrishutchins.com/open-enrollment-AMA-2025 Partner Deals Fabric: Affordable term life insurance for you and your family Superhuman: Free month of the fastest and best email with code ALLTHEHACKS Gusto: Free 3-month trial of the #1 payroll software DeleteMe: 20% off removing your personal info from the web Mercury: Help your business grow with simplified finances For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned PEOs: TriNet | Justworks Insurance Broker: Rich Sterling Productivity/AI Tools Notion NotebookLM Replit Cursor v0 Figma Perplexity Claude Mesa Homeowners Card (50k bonus with code CHRIS50) $1,200 U.S. Bank Bonus ATH Podcast Newsletter Ep #34: Insider Tricks to Healthcare, Prescriptions and Medical Bills with Marshall Allen Ep 104: Optimizing Your Insurance Policies Ep #140: Navigating Open Enrollment Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Submit questions for our next AMA here Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (00:30) Quick Episode Overview (01:22) How to Select Your Insurance Plan (05:19) Saving with a High Deductible Health Plan (14:19) Tips for Specific Drugs and Providers (15:27) Dental and Vision Plans (17:17) Benefits of FSAs (19:10) Getting Health Insurance Outside of an Employer (21:08) Getting Insurance for Your Business (23:20) Insurance via Medical Research Companies and Affinity Groups (24:52) Direct Primary Care (25:48) Reimbursing Medical Expenses Charged on a Credit Card (30:45) Diversification in an Incredibly High Stock Market (36:20) Investing in Precious Metals: Gold & Silver (40:55) Strategy for Handling RSU Compensation (43:35) Variable Universal Life Policy (48:05) The Rise in Auto Insurance Premiums Following an Accident (55:22) Buying A Used vs. New Car (58:06) Chris's Favorite Work Tools Including AI (01:02:07) Is AI an Actual Threat to Our Jobs? (01:04:26) Chris's Pre and Post W2 Job Experience (01:06:50) Find the Best Deals on the ATH Newsletter (01:10:53) The Next Gift Card Sale Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's almost time to choose health insurance for 2026 and there are some significant changes coming with medical care. Clark has important info you need to know ahead of making your elections for open enrollment.  Also, interest rates are up in the air right now.  Is now a good time to open a CD and/or CD ladder with predicted interest rate cuts?  Clark offers a defensive strategy for the money you save.  Attention: Open Enrollment Changes: Segment 1 Ask Clark: Segment 2 CD Laddering : Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Health Care Costs for Workers Begin to Climb Spot Health Insurance Scams | Consumer Advice Is it health insurance or a medical discount plan? More employers adopting ICHRAs, giving workers money to buy their own health insurance Why Clark Howard Switched His Cell Phone Service After 18 Years With T-Mobile Internet Price War: Why Now Is a Good Time To Threaten To Cancel Wirecutter: How to Avoid a Huge Customs Bill on a Cheap Online Order What Is a CD Ladder and When Is It a Good Idea? CD Ladder Calculator - Clark.com 17 New Cell Phone Deals in September SIM Card Swapping: The Dangerous Cell Phone Scam Why You Need To Lock Your Phone Number Today 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