Podcasts about premiums

Millions of Americans face skyrocketing healthcare premiums come January 1. Now, Republicans on Capitol Hill are scrambling for a plan, any plan. Plus, U.S. forces repel from helicopters and seize an oil tanker off the coast of Venezuela. Will Venezuela do anything about it? The prosecution has rested now in the murder trial of Brian Walshe. Now, the big question for the defense, is he going to testify in his own defense?  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The U.S. Senate failed to pass two dueling pieces of health care legislation Thursday, leaving Affordable Care Act tax credits all but certain to expire at the end of the year. As lawmakers prepare for year-end recess with no agreement in sight, tens of millions of Americans who rely on the ACA are being left in limbo. Lisa Desjardins reports. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Clay Jones/claytoonz.com On our radar this week... Tomorrow ... You're only a day away! President Donald Trump took his show back on the road this week in a desperate attempt to rekindle his “rally magic” and tell voters not to believe their eyes, ears, brains, wallets, or increasingly harder to fill refrigerators. Starting in Pennsylvania, he vows to campaign early and often across the country in competitive seats for the U.S. House and Senate. Democrats should offer to pay for the rallies. As our (least) Favorite President emerges from his Mar-A-Lago cocoon to deny economic reality, with his economic team claiming everything gets better … eventually: Prices will come down, he'll have a healthcare plan you'll love, urban crime will end, the Kennedy Center will have a rebirth as the Trump Center for the Arts and medical science will come up with a cure for cankles. Trump and his economic team sound like “Annie”! Also this week... Democrats have scored two more major election wins, most significantly electing the first Democratic Mayor of Miami in 20 years … and it was a landslide. And the Dems flipped a Trump +12 legislative seat in Georgia. In Lansing, it's been a year since the Legislature passed 9 laws that are still unconstitutionally sitting in the House of Representatives and signed into effect by Governor Whitmer. I've been the lawyer leading the so-far successful lawsuit to free the hostages as Speaker Matt Hall is and the GOP now look to the Michigan Supreme Court as they continue to ignore the constitution and keep stalling. There's a new name in the Democratic party campaign for Secretary of State, with Lottery Director and former congressional candidate Suzanna Shkreli joining the field which already includes Ingham County Clerk Barb Byrum, former Senator Adam Hollier, and Deputy Secretary of State Aghogho Edevbie. ACA premium tax credits are officially dead. Premiums will skyrocket for millions at the same time as major retailers raise prices to cover the costs of Trump's tariffs … while the President is proposing $12-billion in tariff subsidies for farmers. A Republic, If You Can Keep It is sponsored by Jeff Margulies/Washington Post

The guest host for today's show is Brad Bannon. Brad runs Bannon Communications Research, a polling, message development and media firm which helps labor unions, progressive issue groups and Democratic candidates win public affairs and political campaigns. His show, 'Deadline D.C. with Brad Bannon,' airs every Monday from 3-4pm ET. Brad is first joined by Kate Lincoln-Goldfinch, an Immigration Attorney and Advocate. The pair discusses Trump's new efforts to block immigration from 19 countries he deemed 'high risk.' Kate also explains the details of the U.S. Supreme Court agreeing to take up one of President Trump's most contentious policies by reviewing the American legal principle of "birthright citizenship," potentially upending a 127-year-old understanding of who gets to be a U.S. citizen.  Kate and Brad also discussed how alarmingly frequent it has been for ICE to arrest and detain U.S. citizens for hours to even days, with some of them being assaulted in the process. Then, Center for American Progress's Natasha Murphy talks with Brad about healthcare, including premiums that are set to skyrocket at the end of the month if Republicans refuse to extend ACA tax credits. Natasha also breaks down why the Health Savings Account options, which many congressional Republicans are pushing as a replacement for ACA tax credits, do nothing to help pay for skyrocketing health insurance premiums themselves. Kate Lincoln-Goldfinch is also the Owner and CEO of Lincoln-Goldfinch Law. Their website is www.LincolnGoldfinch.com. Kate's handle is @AttorneyKLG on X, @attorneykatelg on Instagram, and @abogadakate on TikTok. Additionally, she's currently running for State Representative for Texas House district 50 as a Democrat. Natasha Murphy is the director of Health Policy at American Progress, where she develops and advances policy proposals to lower health care costs and improve health care coverage, affordability, and quality. Brad is on the National Journal's panel of political insiders, is an American political analyst for The Times of India TV, and is a national political analyst for WGN TV and Radio in Chicago and KNX Radio in Los Angeles. Brad also writes a political column every Sunday for 'The Hill.'  You can read his columns at www.MuckRack.com/Brad-Bannon. His handle on BlueSky is @bradbannon.bsky.social.

In this episode, Lisa welcomes Brian Blase, President of Paragon Health Institute, to break down the evolving state of Obamacare and what enhanced subsidies mean for the future of healthcare in the United States. The conversation explores the growing irony of the Affordable Care Act, the difficulty of reforming an increasingly complex system, and the rising concerns around fraud, abuse, and government-driven cost inflation. Blase examines why premiums remain high, how subsidies distort the market, and what real solutions could rein in spending while improving patient care. The Truth with Lisa Boothe is part of the Clay Travis & Buck Sexton Podcast Network. See omnystudio.com/listener for privacy information.

No other state in the US has Maryland's system of paying for hospital services despite its 50-year existence and the extra $2bn a year it brought. A new agreement between the state and the federal Centers for Medicare and Medicaid Services ends the preferential arrangement in 2027. Sunil Dasgupta asks Delegate Bonnie Cullison, Vice-Chair of the Maryland House Health and Government Operations Committee, and Jon Kromm, executive director of the Health Services Cost Review Commission, the state's hospital cost regulatory body, what to expect. Music by Kara Levchenko.

State Treasurer Brad Briner stated this week that State Health Plan premiums will likely increase again in 2027 for state employees and retirees. In this episode, we discuss the need for true transparency in hospital pricing to control costs. We also cover $14 billion in pension gains, but no COLA for retirees, the 2026 election filing window, and SEANC's political engagement. We then close with a light segment on Spotify Wrapped and memories of the K&W Cafeteria.

If you get your health insurance through the Affordable Care Act marketplace, now is the time to go online and update your information or select a new plan. Shelly Ten Napel and Brittany Zephier join Lori Walsh to navigate you through the changes in healthcare coverage.

A poll shows ACA enrollees already are struggling with health costs. AP correspondent Mike Hempen has more.

This time on Code WACK! We're digging into big questions: Are reduced health insurance subsidies leaving Americans with a bad case of sticker shock? If you're shopping on the ACA marketplace, what should you watch out for before picking a plan? And what happens if you're pre-authorized for treatment in 2025, but can't afford to renew with the same plan in 2026? (It's not pretty.) For these answers and more, we talked to Sherry Davis Johnson — a former nurse turned long–time insurance agent in Southern California. Sherry has seen our challenging healthcare system from every angle, as a nurse and home health provider, insurance agent, and patient, having personally gone through five major surgeries in just two years. Today, she's licensed in health, property, casualty, accident, and life insurance — and she's here to help us make sense of it all. Check out the Transcript and Show Notes for more!

Join Barrett Gruber and Bill Kimler on this episode of The All About Nothing podcast as they move from quiet Thanksgiving reflections to the most pressing political crises.The hosts dive into serious discussions on rising healthcare premiums, personal environmental health concerns, and the ethical concerns surrounding military actions. They conduct a critical analysis of the devastating fentanyl crisis and its societal impact. The episode also features speculation on the future of the Republican Party under Donald Trump's influence, emphasizing the vital importance of political accountability and supporting local elections.Tune in for a candid conversation that addresses public health, the military, and the state of American politics.Joy of Giving Drive – Event DetailsDate: Saturday, December 7, 2025Time: 12:00 PM – 4:00 PMLocation: Moore Park, 5707 Eastview Dr, Irmo, SCHosted by: Neighbors Helping Neighbors & Mary's Mobile MarketItems Requested:Gift cards; new toys and books; new pajamas, socks, underwear, and clothing (all ages); warm coats, hats, scarves, gloves; senior comfort items (blankets, socks, puzzles, lotions, etc.); teen items (journals, earbuds, sports balls, self-care items); personal hygiene products; food and essential household supplies.Benefiting Organizations:Sharing God's Love, Gifts for Grands, Senior Services at Seven Oaks Park, Palmetto Place, Epworth, Lutheran Services, and other local groups.Contact:Julie Zimmerman – Julie.ZimmermanSC@gmail.comBarrett Gruber | LinktreeBill Kimler | LinktreeThe All About Nothing: Podcast | LinktreeBlack White Blue in the South | Instagram, Facebook | LinktreeClick here for Episode Show Notes!As always, "The All About Nothing: Podcast" is owned and distributed by BIG Media LLC!Check out our network of fantastic podcasts!Click Here to see available advertising packages!Click Here for information on the "Fair Use Copyright Notice" for this podcast.Mentioned in this episode:ZJZ Designs Holiday 2024 Prints Available NowZJZ Designs Holiday 2024 Prints Available Now. Featuring Eddie The Elf! Check Out ZJZDesigns.com!ZJZ DesignsBIG Media LLC Copyright 2025This Podcast is a product of BIG Media LLC and Copyright 2025 Visit https://bigmediallc.com for more from BIG Media LLC!BIG Media LLC

The average health insurance premium has risen by €56 since the end of summer. That's according to a new market bulletin published this morning by the Health Insurance Authority The total increase in the average cost of plans is now 8% since the beginning of 2025. We get more details from Dermot Goode Health Insurance Expert with healthinsuranceireland.ie.

The average health insurance premium has risen by €56 since the end of summer. That's according to a new market bulletin published this morning by the Health Insurance Authority The total increase in the average cost of plans is now 8% since the beginning of 2025. We get more details from Dermot Goode Health Insurance Expert with healthinsuranceireland.ie.

This time on Code WACK! We're digging into big questions: Are reduced health insurance subsidies leaving Americans with a bad case of sticker shock? If you're shopping on the ACA marketplace, what should you watch out for before picking a plan? And what happens if you're pre-authorized for treatment in 2025, but can't afford to renew with the same plan in 2026? (It's not pretty). For these answers and more, we talked to Sherry Davis Johnson — a former nurse turned long–time insurance agent in Southern California. Sherry has seen our challenging healthcare system from every angle, as a nurse and home health provider, insurance agent and patient, having personally gone through five major surgeries in just two years. Today, she's licensed in health, property, casualty, accident, and life insurance — and she's here to help us make sense of it all.  Check out the Transcript and Show Notes for more! And please keep Code WACK! on the air with a tax-deductible donation.  

This time on Code WACK! We're digging into big questions: Are reduced health insurance subsidies leaving Americans with a bad case of sticker shock? If you're shopping on the ACA marketplace, what should you watch out for before picking a plan? And what happens if you're pre-authorized for treatment in 2025, but can't afford to renew with the same plan in 2026? (It's not pretty). For these answers and more, we talked to Sherry Davis Johnson — a former nurse turned long–time insurance agent in Southern California. Sherry has seen our challenging healthcare system from every angle, as a nurse and home health provider, insurance agent and patient, having personally gone through five major surgeries in just two years. Today, she's licensed in health, property, casualty, accident, and life insurance — and she's here to help us make sense of it all.  Check out the Transcript and Show Notes for more! And please keep Code WACK! on the air with a tax-deductible donation.

Sanctions Hit Russian Economy Hard as Middlemen Charge Massive Premiums for Imports and Demand Huge Energy Discounts — Michael Bernstam — Bernstam details how countries including China and Turkey exploit Russia's economic isolation through sanctions. China demands oil discounts of up to $19 per barrel while simultaneously charging an 87% premium for manufactured goods exported to Russia. This arbitrage mechanism has contributed to a severe recession in Russia's civilian economy (5.4% contraction). Russia has increasingly relied on gold reserves to cover government budget deficits and sustain essential spendi32ng. 19

Ian Everard brings inside information from the precious metals industry regarding the lack of silver availability and the rapidly rising wholesale premiums that he believes indicate structural tightness in the market that is bubbling beneath the surface. Ian also dives into silver inventory shortages at the LBMA, the implications of silver being declared a critical mineral by the US, and much more.Visit our sponsor, ARK Silver Gold Osmium: https://arksgo.comContact them at (307) 264-9441Ian@ArkSGO.comGet Your Commodity Culture Merch: https://commodity-culture-shop.fourthwall.comFollow Jesse Day on X: https://x.com/jessebdayCommodity Culture on Youtube: https://youtube.com/c/CommodityCulture

Insurance premiums have exploded and Kiwis are feeling the squeeze like never before.In this episode, we break down the shocking 15-year surge in insurance costs - from health and house premiums skyrocketing over 200–400% to the real impact of climate events, reinsurance costs, medical system pressure, and how listeners can reduce their cover without losing protection.Next Steps: If you want to make sure your life, health, income or trauma cover actually fits your budget and stage of life, book a one-on-one with a Lighthouse insurance adviser through the link in the show notes.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Fast food restaurants like Wendy's are experiencing a slowdown in business The fast-food restaurant Wendy's is planning on closing hundreds of locations throughout next year because they continue to see a slowdown in spending from their customers. They said most of their low-income consumers are cutting spending and making fewer trips with smaller purchases at the restaurants. Wendy's increased prices after the pandemic at a higher rate than grocery stores and now other fast-food restaurants have begun to add value menus to keep customers coming back, but Wendy's has held firm and not created any values for their customers. Because of this they have seen their net income decline to $44.3 million from a year ago when it was $50.2 million. Over the past year the stock has declined from around $18 a share down to under $9 a share, which is a decline of 53%. With the reduction in the stock price, the dividend yield is now 6.5% and the company trades at 10 times earnings on a forward basis. This company may be worth looking into as an investment as within in the next 6 to 12 months we could see lower end consumers stabilize.   The affordability index for people buying a home is the worst in 50 years People may be excited about buying a home because mortgage rates are around the lowest they've been in over a year, but the affordability of a home is still far out of reach for many. The reason for this, and we have talked about this for the last few years, is that the increase in the price of homes has far outpaced the increase in people's income. The 50-year average for a price-to-income ratio is around four times, and it reached a low in 1999 of around 3.6 times. But with the rapid increase of homes over the last few years, the price to income ratio has climbed to slightly over five times. Also not helping are the increases in home insurance costs and property taxes. Back in the summer of 2019, when looking at households earning $75,000, nearly 50% of those people could afford to buy a home. Today, when looking at those same households earning $75,000, only 21% would be able to afford a home. Back in 2012, the home affordability index was over 200, but it has now been cut in half to just about 100 with no signs of improving any time soon. I believe it will probably take 3 to 5 years to correct itself. If you look back in history, the affordability index does not change overnight. What will happen is probably incomes will increase slightly over the next 3 to 5 years and maybe the price of homes will either stay the same or decline slightly, which would increase the affordability index. What this means for people buying a home today is you should not have any aspirations of a rapid increase in the value of your home. What caused the problem was during the pandemic mortgage rates dropped to lows not seen in 50 years and that pushed up demand and the prices for homes climbed at a rapid rate. I believe this scenario is extremely unlikely to play out again! The brokerage firm Robinhood looks more like a gambling platform than a brokerage firm Robinhood initially went public at $38 a share in 2023 and the stock then fell to under $10 a share. It has recovered nicely since then as it's now trading around $110 a share. What has caused this shift and the huge increase in the stock price? One big reason is that the company has really allowed major speculation for their investors. Starting off with crypto, they have allowed people to buy coins like BONK, Dogwifhat and Pudgy Penguins. Just when you think there's no way they could come up with anything more speculative, surprise; they have come up with an investment known as prediction markets and event trading. Somehow the regulators have let this slide or maybe since government agencies don't move that quickly, it just has not been addressed yet. It appears for investors on their app that you can predict what the outcome will be of a football game, politics, contracts over economics, even if aliens will exist on earth this year. Chief Brokerage Officer, Steve Quirk, says this is the fastest growing business we have ever had. Robinhood stock trades over 50 times projected earnings and is looking for about $4.5 billion in revenue, which is an increase of 53% over last year. The growth appears to be there for the company, but there is so much speculation and insane crazy things there is no doubt in my mind that in the future many people will lose more money than they ever thought was possible by speculating on crazy things rather than investing into good quality businesses. A fallout in those risky "investments" could hurt Robinhood's reputation, which I believe would be bad for long term growth.    Financial Planning: The Real Cost of Employer Coverage vs. Medicare When reaching age 65, sometimes there is the option to join Medicare or stay with an employer health insurance plan.  This is most common when a spouse retires after age 65 and they have the ability to join their spouse's work plan. When comparing the cost of coverage, there is a key difference in how each affects your tax bill. Premiums paid through payroll for employer-sponsored health insurance are pre-tax, meaning you avoid federal, state, and payroll taxes such as the 6.2% Social Security, 1.45% Medicare, and 1.2% CA SDI tax in California.  This is different from a 401(k) for example where contributions are only pre-tax from federal and state taxes. For someone in the 22% tax bracket, a $500 premium would be around $300 after the tax savings. Medicare premiums on the other hand are paid with after-tax dollars and are only tax-deductible for people who itemize and have total medical expenses exceeding 7.5% of AGI, which means very few retirees actually receive any tax benefit. Additionally, Medicare Part B and D premiums may be elevated due to higher levels of income because of IRMAA. Employer health insurance can vary in coverage and cost so at times Medicare may be a more comprehensive and cost-effective option, but it is necessary to compare the after-tax costs to be sure.   Companies Discussed: Cisco Systems, Inc. (CSCO), The Walt Disney Company (DIS), Spectrum Brands Holdings, Inc. (SPB), Maplebear Inc. (CART)

People who buy health care through the federal marketplace are set to see their premiums rise 40 percent or more. It depends on whether Congress extends the 2021 enhanced subsidies that help people pay their premiums. Ruby Rayner is a reporter for the Chattanooga Times Free Press who's been covering this story in Tennessee. Inside Appalachia's Mason Adams spoke with Raynor. The post A Conversation On Increasing Premiums, This West Virginia Morning appeared first on West Virginia Public Broadcasting.

Hey, first! If you value what we do, this is the best-ever time to support our work: This month, every donation gets matched two-for-one. We have SO much work ahead in 2026. Donate here — and get your money matched two-for-one. It’s probably fair to say: this is the worst year ever for picking health insurance. Premiums are skyrocketing – whether you get insurance through work or from the Obamacare marketplace. And with enhanced subsidies almost definitely expiring, millions of people with Obamacare plans are grappling with drastic changes to their household budgets. We’re our own case study: You’ll hear us sorting through our own options. None of them are pretty, but because we know how to read the fine print, we figured out: Some are way, way less awful than others. And to help you do the same: We’ve boiled down our fine-print-reading expertise in this starter pack on how to pick insurance. Also in this episode: we talk with a listener who wonders: is paying for health insurance even worth it at this point? (Her ultimate answer: Yes, but argh.) Read Julie Appleby’s reporting for KFF Health News about what could happen if Congress changes course and extends the subsidies. Here’s a transcript of this episode. Send your stories and questions! Or call 724 ARM-N-LEG. And, again… we’d love for you to support this show. See omnystudio.com/listener for privacy information.

We’re weeks away from 20 million Americans seeing a massive spike in their healthcare premiums. That’s if no deal can be struck to extend subsidies under the Affordable Care Act. We heard from some of those being affected. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

We’re weeks away from 20 million Americans seeing a massive spike in their healthcare premiums. That’s if no deal can be struck to extend subsidies under the Affordable Care Act. We heard from some of those being affected. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Hampton Roads has some of the state's highest enrollment in the Affordable Care Act market.

Mentor Sessions Ep. 039: $8,000 for 15 Minutes – Insurance Denied It Anyway | Bitcoin-Powered Healthcare Revolution with Andy Schoonover (CrowdHealth)Holy shit—$8,000 for a 15-minute ear surgery on his 1-year-old daughter…and insurance denied it as “medically unnecessary.” CrowdHealth CEO Andy Schoonover built the decentralized, Bitcoin-aligned alternative that's already helped 25,000+ people dump insurance, save ~50% on every bill, fund $1M accidents, and stack sats on unused funds every month. In this BTC Sessions interview, Andy exposes the rigged game: insurance companies + hospitals BOTH profit when prices rise (medical loss ratio scam broken down), 250,000 insured families go bankrupt every year, doctors waste 16–18 hrs/week on bureaucracy, fiat healthcare now in death spiral with 18% premium spike in 2026. The Bitcoin fix: Lightning payments, direct-to-doctor cash, game-theory reciprocity (givers always get funded), and Bitcoin circularity coming for the $5.6 trillion market. From Zuckerberg's actual house to “the Silk Road of healthcare” — this is the one that makes you cancel your insurance tomorrow.Chapters:00:00 Teaser – The System Is Completely Busted01:12 Andy's Journey & Zuckerberg's $16k Check03:46 First Healthcare Company & Bureaucracy Wake-Up Call04:47 The $8,000 Daughter Surgery + Insurance Denial Rage05:22 Satoshi Moment – Launching CrowdHealth (2021)08:02 20% Denials & 250,000 Insured Bankruptcies Yearly10:03 Perverse Incentives: Insurance Profits When Prices Rise12:26 CrowdHealth = 50% Savings Via Direct Pay17:18 Forced Insurance States & Paying the Fine Instead20:02 How CrowdHealth Works ($500 + Community Funding)22:21 Canadian Healthcare Nightmare (MAID = 1 in 20 Deaths)25:59 Jimmy Song Orange-Pills Andy – Bitcoin Integration28:10 The $5.6T Bitcoin Circularity Plan31:22 Every American Will Touch Bitcoin Via Healthcare34:09 Hospitals Love Instant BTC Payment (50%+ Discounts)37:35 Stacking Sats + ACA DCA Math39:52 Game-Theory Reciprocity & Common Objections42:11 The $1M Self-Shot Accident Story (6 Holes, 1 Bullet)52:04 2026 Outlook – 18% Premiums & Death SpiralAbout Andy Schoonover:CEO of CrowdHealth – decentralizing healthcare with Bitcoin-aligned crowdfundingX: Andy Schoonover @andyjschoonoverX: CrowdHealth @joinCrowdHealthSite: https://www.joincrowdhealth.comCheck out previous Episodes:Fitness & Bitcoin - Michael Morelli: https://youtu.be/qkzK3ey41tcMarket Update - James Check: https://youtu.be/0a6-hTVwauo

Want to know exactly what you'll be paying for Medicare in 2026? We've got you covered. In this episode, we walk through the official 2026 Part A and Part B premiums, deductibles, and the dreaded IRMAA income brackets. Plus, we'll show how pairing Original Medicare with a Medicare Supplement plan can save you from unexpected costs and give you greater peace of mind.

With expanded subsidies for Affordable Care Act plans set to expire at the end of 2025, Americans on ACA health plans are starting to see big increases in their monthly health insurance premiums for 2026 as insurers send out annual notices. To address why this is happening and what the impacts are for health care access, coverage, and outcomes generally, Brookings expert Matt Fiedler, a senior fellow with the Center on Health Policy, joins The Current. Show notes and transcript. Follow The Current and all Brookings podcasts on Apple, Spotify, or wherever you get your podcasts. Send feedback email to podcasts@brookings.edu.

Dr. Robert Popovian is a pharmacist, and economist with a deep background in research and public policy. In this episode we have a nuanced discussion on policy impacting pharmacy including PBMs, President Trumps Most Favored Nation Executive Order, Rebates, and insurance premiums.    Links to resources referenced in discussion: • Pioneer Institute, 340B tool: https://pioneerinstitute.org/340babuse/ • Pioneer Institute, IRA tool: https://pioneerinstitute.org/the-inflation-reduction-act-ira-overview/ • Editorial regarding TrumpRX: https://www.linkedin.com/pulse/promise-trumprx-robert-popovian-vskne/?trackingId=dtiG1P%2B%2BSDq6adLfFeEbeg%3D%3D • Pioneer Institute, IRA report: https://pioneerinstitute.org/wp-content/uploads/Prescription-Drug-Price-Controls-06252025.pdf  • GHLF tool, Impact of Accumulators and Maximizers on Premiums: https://cutt.ly/Rr9Di7Vf • Conquest Advisors website: https://conquestadvisors.godaddysites.com/

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.

As open enrollment is underway for people who rely on getting health insurance from the Affordable Care Act marketplace, many are facing steep premium hikes. STLPR health reporter Sarah Fentem talks about what's driving the increases, how subsidies factor in and what the changes mean for consumers. We also hear real-life stories from people weighing tough coverage decisions.

In this episode of Medical Matters Podcast, Dr. Peter Brier and Nurse Practitioner Kelly McCormick discuss the potential for issues in the wake of the federal government shutdown. The doctors discuss the Affordable Care Act, benefits and drawbacks, along with the available providers and costs.Medicare and Medicaid are also examined, and possible ways to make the programs more affordable and accessible to younger segments of the population.In addition, a cautionary tale is offered about the dangers of not signing up for Social Security, Medicare and other available benefits. 

In this episode, Lex speaks with David Namdar - CEO of the BNB Network Company, kicking off with his journey from early Bitcoin adoption in 2012 to co-founding Galaxy Digital and now leading the BNB Network Company. Namdar explains the evolution of public markets' engagement with crypto, highlighting how regulatory hurdles and speculative cycles shaped market participation. He outlines the rise of Digital Asset Treasury (DAT) companies, crediting Michael Saylor's MicroStrategy for pioneering the model by converting $400 million in cash to Bitcoin - now holding over $75 billion in BTC. We examine how Binance, with 290 million users and 40% of global crypto volume, supports BNB as a deflationary asset, burning up to $2 billion per quarter. Finally, Namdar shares why BNB, not Bitcoin, is the focus of his new DAT initiative, offering U.S. investors exposure to an underrepresented but powerful asset.NOTABLE DISCUSSION POINTS:Digital Asset Treasuries Are Emerging as Crypto ETFs in Disguise: Public companies like MicroStrategy and MetaPlanet are turning their balance sheets into crypto holdings, offering indirect exposure to Bitcoin, Ethereum, and BNB. This model is attracting billions and creating a new on-ramp for investors -especially where ETFs or direct access are limited.BNB Is Massively Used Yet Underrepresented in U.S. Markets: With 290 million users and up to $2B in quarterly token burns, BNB is one of the most used tokens globally. Yet it's largely inaccessible to U.S. investors, creating a major disconnect and a potential opportunity for BNB-focused public vehicles.Crypto Booms Often Rely on Misunderstood, Unsustainable Incentives: Namdar highlights how past cycles inflated demand through staking rewards and nominal yields, not real value. A lack of economic literacy continues to fuel hype over fundamentals, risking long-term sustainability. TOPICSBNB Network Company, Binance, BNB, Galaxy Digital, SolidX Partners, MicroStrategy, Bitcoin, Bitcoin treasury, Ethereum, Digital Asset Treasury, DAT, treasury, crypto, convertible debt, tokenomics, crypto treasury, capital markets ABOUT THE FINTECH BLUEPRINT

Jump in the time machine with us as we travel back circa 2005 for the first Medicare Annual Enrollment Period, the debut of Medicare Advantage, Medicare Part D, two new Med Supp plans, and more!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency 5 Medicare Myths Your Clients May Believe 10 Tips to Submitting an Error-Free Medicare Enrollment Application 2026 Medicare Part D Bid Info Likely Means Higher Premiums & Plan Disruption — Here's Why A Review of Integrity's Top Medicare Quoting Tools How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly IntegrityCONNECT & PlanEnroll FAQs Register with RitterIM.com Risk Adjustment & Finding Value Beyond Coding Changes ft. Dr. Shannon Decker The Future of Medicare Part D: The Push Toward MAPD The Ultimate Agent Resource List Pt. 3: Staying Organized   References: “2005 CMS Statistics.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/medicaremedicaidstatsupp/downloads/2005_cms_statisticspdf. Accessed 21 Oct. 2025. “2025 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Nov. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. McManus, Melanie Radzicki. “A Short History of How Netflix Won World Domination in Streaming.” Entertainment.Howstuffworks.Com, HowStuffWorks, 21 Dec. 2018, entertainment.howstuffworks.com/short-history-netflix-world-domination-streaming.htm. “Beneficiaries with Special Needs Can Get Help from Medicare Managed Care Plans.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/beneficiaries-special-needs-can-get-help-medicare-managed-care-plans. Accessed 21 Oct. 2025. Laschober, Mary. “Estimating Medicare Advantage Lock-In Provisions Impact on Vulnerable Medicare Beneficiaries.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/05springpg63pdf. “IPod Shuffle (1st Generation).” Apple.Fandom.Com, Apple Wiki, apple.fandom.com/wiki/IPod_shuffle_(1st_generation). Accessed 21 Oct. 2025. “K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 21 Oct. 2025. “Medicare Advantage and Medicare Prescription Drug Programs to Remain Stable as CMS Implements Improvements to the Programs in 2025.” CMS.Gov, Centers for Medicare & Medicaid Services, 27 Sept. 2024, www.cms.gov/newsroom/press-releases/medicare-advantage-and-medicare-prescription-drug-programs-remain-stable-cms-implements-improvements. Freed, Meredith, et al.  “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Jeannie Fugleston Biniek, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-premiums-and-benefits/. “Medicare Part B Immunosuppressive Drug Benefit.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/partbid-provider. Accessed 21 Oct. 2025. “Medicare Demonstration to Transition Enrollment of Low Income Subsidy Beneficiaries .” Cms.Gov, Centers for Medicare & Medicaid Services, 8 June 2006, www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovContra/Downloads/MemoLTCContracting_060806.pdf. “Medicare Part B Income-Related Monthly Adjustment Amount.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2006/10/27/E6-17690/medicare-part-b-income-related-monthly-adjustment-amount. Accessed 21 Oct. 2025. Cubanski, Juliette, and Anthony Damico. “Medicare Part D in 2025: A First Look at Prescription Drug Plan Availability, Premiums, and Cost Sharing.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-part-d-in-2025-a-first-look-at-prescription-drug-plan-availability-premiums-and-cost-sharing/. “Medicare Program Description and Legislative History.” Ssa.Gov, Social Security Administration, www.ssa.gov/policy/docs/statcomps/supplement/2006/medicare.html. Accessed 21 Oct. 2025. “Medicare Program; Establishment of the Medicare Advantage Program.” Federalregister.Gov, Federal Register, https://www.federalregister.gov/documents/2005/01/28/05-1322/medicare-program-establishment-of-the-medicare-advantage-program. Accessed 21 Oct. 2025. “Part D / Prescription Drug Benefits.” Medicareadvocacy.Org, Center for Medicare Advocacy, 30 May 2025, medicareadvocacy.org/medicare-info/medicare-part-d/. “Pop Culture in Review for the Year 2005.” Mrpopculture.Com, Mr. Pop Culture , 29 Nov. 2023, mrpopculture.com/pop-culture-in-review-for-the-year-2005/. "The Medicare Advantage program: Availability, benefits, and special needs plans - Chapter 9." Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/Jun06_Ch09.pdf. Accessed 21 Oct. 2025. Gold, Marsha. “The Landscape of Private Firms Offering Medicare Prescription Drug Coverage in 2006.” Modern.Kff.Org, The Henry J. Kaiser Family Foundation, www.kff.org/wp-content/uploads/2013/01/7474.pdf. Accessed 21 Oct. 2025. “The next Generation of Medicare Beneficiaries - Chapter 2.” Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/chapter-2-the-next-generation-of-medicare-beneficiaries-june-2015-report-.pdf. Accessed 21 Oct. 2025. Crowder, Courtney. “Throwback: Pop Culture Trends of 2005.” Usatoday.Com, USA Today, 30 July 2015, www.usatoday.com/story/entertainment/2015/07/30/pop-culture-trends/30739417/. “Update to Medicare Deductible, Coinsurance and Premium Rates for 2006.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Regulations-and-Guidance/Guidance/Transmittals/downloads/R31GI.pdf. Accessed 21 Oct. 2025. “Variation and Trends in Medigap Premiums.” Aspe.Hhs.Gov, U.S. Department of Health and Human Services Assistant Secretary for Planning and Evaluation, aspe.hhs.gov/sites/default/files/migrated_legacy_files/43721/index.pdf. Accessed 21 Oct. 2025. Hosch, William L. “YouTube.” Britannica.Com, Encyclopædia Britannica, inc., 19 Oct. 2025, www.britannica.com/topic/YouTube.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel   Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Former Chief Assistant U.S. Attorney and National Review Contributing Editor Andy McCarthy is in for Jim on Tuesday's 3 Martini Lunch. Join Andy and Greg as they discuss the fate of Obamacare subsidies, how to stop Chinese nationals from buying land near U.S. military bases, and the leftist revolt (again) vs. Senate Minority Leader Chuck Schumer.First, as Democrats demand the extension of Obamacare premium subsidies, Andy and Greg explain how they were supposedly a "temporary" provision during the pandemic and should be scrapped. But Andy points out that the subsidies were another step in the Dems' tireless push for government-run health care, so rooting them out will be very difficult.Next, they react to reports that a convicted Chinese fraudster owns land adjacent to the Missouri Air Force base that's home to the B-2 Stealth Bombers that that targeted Iranian nuclear sites in June. Andy explains how there is some tension in law when it comes to stopping our top foreign adversary from getting so close to our most sensitive sites, but there's something far more important than the courts or Congress when it comes to stopping the Chinese from doing this.Finally, they shed zero tears for Sen. Chuck Schumer as the increasingly left-wing base revolts over how Senate Democrats handled the latest shutdown fight and Schumer's feeble attempts to appease the base through this pointless shutdown left him even more of a pariah in his own party. And as awful as Schumer has been, it's almost certain the next Senate Democratic leader will be even worse.Please visit our great sponsors:OneSkin uses the patented OS-01 Peptide™ designed to keep skin healthier, stronger, and more resilient over time. Get 15% off OneSkin with the code 3ML at https://www.OneSkin.co/3ML Try the Oracle Cloud Infrastructure for free with zero commitment by visiting https://Oracle.com/Martini today!Open a new qualified IRA or cash account with Noble Gold and get a free 10-ounce Silver Flag Bar plus a Silver American Eagle Proof Coin—visit https://NobleGoldInvestments.com/3ML

Partial federal food benefits will be available to Indiana residents starting today, Governor Mike Braun announced yesterday. A recent congressional report says Purdue University is an example as to why there should be tighter limits on students from China and academic partnerships with the country. Hoosiers that get their health insurance through the federal healthcare marketplace could see their premiums go up significantly. A vigil was held last night for a house cleaner who was shot and killed after she went to the wrong home in Whitestown. 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 and Abriana Herron, with support from News Director Sarah Neal-Estes.

Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers:What is IRMAA and why it matters for Medicare Part B & DHow taxes affect your Medicare premiums and retirement budgetPlanning strategies for federal retirees, including FERS, TSP, Social SecurityReal-world tips on managing healthcare costs and avoiding surprises

In this episode: Wade walks through Business Banker (treating capital like a business, routing more cash flow through policies, and demanding payback with interest) and Infinite Banker (a closed family banking ecosystem where money consistently flows through your policies across generations). Expect practical criteria for loans, deal flow, and protecting liquidity while you invest. Tune in to see how disciplined policy use becomes a system—so your family controls the money game, not the banks. Episode Highlights 00:47 - Overview of podcast stages: business banking and infinite banking. 01:28 - Definition of a business banker and control over finances. 02:26 - Mindset shift: Premiums as investments, not expenses. 03:04 - Redirecting cash flow: Benefits and privacy of policies. 08:12 - Hard money lending and expanding banking systems. 10:02 - Key components of wealth building and financial conversations. 11:20 - Treating money transactions like a business. 13:02 - Infinite banking mindset and the closed financial ecosystem. 15:52 - Interdependence and family financial ecosystems. Episode Resources sagewealthstrategy.com 

Read about the ACA & pre-existing conditions here

Open enrollment is now underway for coverage under the Affordable Care Act, and Wisconsin residents using the program are getting a first look at their higher premiums. A farm family […]

Episode 615: Rising healthcare costs aren't just about inflation. John and Steve explain how the shutdown is affecting premiums and offer six practical ways to fight back. They'll also discuss when it makes sense to gift money to your kids—and why waiting may be the wiser move.

CMS plans to simplify prior authorization for Medicare beneficiaries beginning in 2026. Listen to learn more about changes coming to Medicare Advantage and Original Medicare!   Read the text version  

Do you ever feel like budgeting is impossible because your income changes from month to month? If you're self-employed, work on commission, or depend on tips, you're not alone. Living on a variable income can feel like riding a financial roller coaster—one month you're doing fine, and the next, you're wondering how to make ends meet.But the good news is that God's Word offers wisdom that applies even in seasons of financial uncertainty. Proverbs 21:5 reminds us:“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”No matter how steady—or unpredictable—your income is, a plan is essential.Build Your Budget on What You Know, Not What You HopeMany people make the mistake of budgeting around their best month. Wise stewardship means basing your plan on your lowest or average month, rather than your highest month.Start by reviewing your income over the past 6 to 12 months. Identify your lowest earning month, and use that as your “bare minimum” budget—what it takes to cover essentials like housing, utilities, groceries, transportation, and basic giving.For example, if your income ranges from $3,000 to $6,000, plan your budget around $3,000. When you earn more, that extra income becomes your margin—money you can use to pay down debt, save, or plan ahead for slower seasons.This approach protects you from overcommitting when income drops and helps you live within your means.Create an Income-Holding AccountWhen your income arrives irregularly, timing can be just as stressful as the amount. One simple solution is to use an income-holding account.Here's how it works:Deposit all income into one central account—your “holding tank.”Once a month, transfer your budgeted amount into your regular spending account.This method smooths out your cash flow, allowing you to “pay yourself” a steady income each month. Proverbs 27:23 gives this timeless reminder:“Know well the condition of your flocks, and give attention to your herds.”In today's world, that means knowing where your money is, where it's going, and when it's available.Also, if your income fluctuates, an emergency fund isn't optional—it's essential.Start by saving enough to cover one month's expenses, then aim for three to six months over time. Use “boom” months to grow your buffer before adding new spending. When slower seasons come, you'll be able to keep paying yourself consistently.Differentiate Between Fixed and Flexible ExpensesAnother key to managing a variable income is learning to distinguish between fixed and flexible expenses.Fixed expenses—like rent, insurance, and loan payments—stay the same.Flexible expenses—like dining out, entertainment, or travel—can adjust with your income.During lean months, trim flexible spending. When income increases, you can replenish your savings or increase your giving. Remember, self-control is one of the fruits of the Spirit (Galatians 5:22–23), and that includes how we handle our finances.One of the easiest ways to get off track is through “surprise” expenses that shouldn't be surprises—car repairs, insurance premiums, or property taxes.List all your irregular expenses for the year and divide each by twelve. Set that amount aside monthly in a sinking fund, so when those bills come, you're ready. No scrambling. No stress. Just peace that comes from faithful planning.Trust the Provider, Not the PaycheckEven when your income is unpredictable, God is not. Matthew 6 reminds us that our Heavenly Father knows what we need before we ask. He feeds the birds and clothes the flowers—and He will provide for His children.So whether your income changes weekly or seasonally, rest in this truth: stability isn't found in your paycheck—it's found in God's faithful provision.If you're ready to build a flexible, faith-filled budget, the FaithFi app can help. It offers tools to manage cash flow, track spending, and grow as a faithful steward of God's resources.Learn more at FaithFi.com by clicking “App” or searching for FaithFi in your app store.On Today's Program, Rob Answers Listener Questions:I've been able to save about $170,000 and add around $10,000 each month. Once I reach $200,000, I'd like to start investing $10,000 a month in something with greater growth potential, even if it carries a bit more risk. Right now, I'm earning about 4% at the bank. What would be a wise next step for that money?I've just moved into an independent living facility and am in the process of selling my condo, which should close soon. I'll need the proceeds to help cover my living expenses, but I'm wondering—how should I handle tithing on that money?I just wanted to express my gratitude for the way you and your team share wisdom so respectfully and thoughtfully. Listening to your program has really deepened my understanding and helped me grow.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom 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.

SUBSCRIBE TO JORDAN'S FREE NEWSLETTER. Get the facts, without the spin. UNBIASED offers a clear, impartial recap of US news, including politics, elections, legal news, and more. Hosted by lawyer Jordan Berman, each episode provides a recap of current political events plus breakdowns of complex concepts—like constitutional rights, recent Supreme Court rulings, and new legislation—in an easy-to-understand way. No personal opinions, just the facts you need to stay informed on the daily news that matters. If you miss how journalism used to be, you're in the right place. In today's episode: White House Sets New Press Restrictions for "Upper Press" Area (0:12) Trump Administration Agrees to Partially Fund SNAP Benefits After Court Rulings (8:31) Trump Administration Officials Move to Military Bases Amid Security Concerns (17:27) Open Enrollment Begins Offering Sneak Peek at 2026 Increased Insurance Premiums; Here's What to Know (20:28) Trump Threatens Military Action Against Nigeria (31:30) Quick Hitters: Mysterious Area 51 Crash, November 4th Elections Happening Tomorrow, Supreme Court to Hear Tariff Challenge, Government Shutdown Set to Be Longest in History, Air Traffic Control Has Worst Weekend of Shutdown So Far (38:13) Critical Thinking Segment (42:14) SUBSCRIBE TO JORDAN'S FREE NEWSLETTER. Watch this episode on YouTube. Follow Jordan on Instagram and TikTok. All sources for this episode can be found here.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. News sources for this episode: Rayna Wallace et al., “8 Things to Watch for the 2026 ACA Open Enrollment Period,” October 28, 2025, https://www.kff.org/affordable-care-act/8-things-to-watch-for-the-2026-aca-open-enrollment-period/, KFF Health News.  Sudiksha Kochi, “Here are 6 ways the government shutdowns could get worse for Americans,” October 29, 2025, https://thehill.com/homenews/house/5579889-government-shutdown-americans-pain/, The Hill. Forvis Mazars, “Federal Government Shutdown: Impact on Healthcare Organizations,” October 1, 2025, https://www.forvismazars.us/forsights/2025/10/federal-government-shutdown-impact-on-healthcare-organizations. Sarah Klein, Molly Castle Work, “Positive Outliers: How Some Rural Communities Maintain Access to Labor and Delivery Services,” October 24, 2025, https://www.commonwealthfund.org/publications/2025/oct/positive-outliers-how-rural-communities-maintain-access-labor-delivery, The Commonwealth Fund.  Grace Sparks et al., “KFF Health Tracking Poll: Public Weighs Political Consequences of Health Policy Legislation,” October 3, 2025, https://www.kff.org/affordable-care-act/kff-health-tracking-poll-public-weighs-political-consequences-of-health-policy-legislation/, KFF Health News. 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.

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

As open enrollment begins, Affordable Care Act premiums are set to rise by an average of 26%. Michael Smerconish speaks with Alex Wayne, Executive Editor at KFF Health News, about what's driving the surge, which states will be hit hardest, and how the ongoing government shutdown may finally shift the political pressure in Washington. A smart, fast-paced conversation on health policy, politics, and what it means for millions of Americans. Please rate, review, and share this podcast! Original air date 30 October 2025. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

On tonight's Nightcap: The real-world impacts of the government shutdown become clearer, with rising premiums for Obamacare as well as new warnings of cuts to food stamps. Then, backlash grows over Trump's proposed multi-billion dollar bailout for Argentina. Plus, the potential new threat to future elections, coming from inside the administration. Jake Lahut, Ahmed Baba, Tim O'Brien, and Chris Hayes join The 11th Hour this Wednesday night. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Democrats are hemming and hawing about rising healthcare premiums, but the problem is it’s their fault. After complaints from the Auburn community, the ‘South Hill Rapist’ Kevin Coe has been moved back to Federal way. A left-wing group in Portland is complaining about public camping citations. // LongForm: GUEST: Republican Chad Magendanz is running for State Senate to prevent a Democrat supermajority. // Quick Hit: The City of Everett wants to give a river the right to sue.

Is it possible to write off your life insurance premiums? In this video, Caleb Guilliams is joined by Alden Armstrong and Penn Mutual's Bill Bell, a tax attorney and industry expert, to unpack the surprising ways life insurance interacts with the tax code. You'll learn four ways certain structures can unlock deductions, protect your wealth, and even multiply your long-term impact with life insurance.Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity 0:00 - Why life insurance typically isn't tax deductible3:27 - The Cash Balance Plan 20:02 - The Qualified Plan / Profit Sharing Strategy 25:57 - The Executive Bonus Plan (Golden Handcuffs)35:56 - Charitable Giving Plan to Eliminate Estate Taxes 54:04 - Don't Try To Do This Alone______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.