Navigating Open Enrollment: Choosing the Best Health Insurance and Other Benefits in 2024

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#140: A deep dive into health insurance and other benefits you’ll need to make decisions about during your upcoming open enrollment. We’ll cover health plans in depth, but also dental, vision, HSAs, FSAs, employer life insurance and more.

Link to Full Show Notes: https://www.allthehacks.com/open-enrollment-2024

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Resources Mentioned

All the Hacks:

• #34: Hacking Healthcare, Prescriptions and Medical Bills with Marshall Allen
• Email for questions, hacks, deals, feedback: [email protected]

Last Week Tonight with John Oliver: Health Care Sharing Ministries

Online Direct Primary Care For Pediatrics: Summer Health | Blueberry

Marshal Allen’s Book: Never Pay the First Bill

Online Sites for Prescriptions: GoodRx | RxSaver

Oura Ring

DNA Genetic Testing: 23andMe

Online HSAs: Lively | Starship HSA

Hawaii Recommendations:

• Restaurants (Kid-Friendly): Lava Lava Beach Club | CanoeHouse at Mauna Lani
• Water Activities: Ocean Sports | Snorkel Bob's

Full Show Notes

(02:27) HMOs, PPOs & EPOs

(03:47) Deductible

(04:44) Coinsurance

(05:40) Out of Pocket Maximum

(06:20) High Deductible Health Plan

(07:35) Coverage: In-Network & Out of Network

(09:16) Insurance Brokers

(14:55) Selecting a Carrier

(17:55) Premiums

(20:39) First Dollar Coverage

(21:50) HSA Hack: Use Your Cash Flow For Expenses

(25:10) Why The Platinum Plan Doesn't Make Sense

(29:55) Health Insurance Hacks

(31:13) Medical Sharing Plans

(33:36) Ways To Save

(36:16) Dental & Vision Insurance

(37:56) FSA for Health

(40:47) Using HSA

(41:41) Pre Tax Transit

(41:56) Life & Disability Insurance

(43:18) Tips from Chris's Trip to Hawaii

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