It’s open enrollment season, and if you’re staring at rising premiums and confusing plan options, this episode is for you. We break down the three major insurance paths—private plans, ACA Marketplace coverage, and employer-based options—so you can understand what you’re choosing, what you’re paying for, and why everything feels so expensive.

We’ll explain subsidies, deductibles, co-insurance, co-pays, and out-of-pocket maximums in simple terms, plus why adding a spouse or kids to employer plans often triggers shocking premium jumps.

Then we tackle the big question: Why are premiums skyrocketing? From sicker risk pools to drug prices, consolidation, administrative waste, and employer cost-shifting, we unpack the forces driving costs up while coverage shrinks.

Most importantly, we acknowledge the emotional reality—families feeling squeezed, people paying mortgage-level premiums, and the frustration of still struggling to get timely, quality care.

If open enrollment leaves you overwhelmed, this episode will give you clarity, context, and a sense that you’re not alone. Tune in.

Contact us:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Andrea⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - [email protected]

www.rmhealthpartners.com

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ashley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠- [email protected]

www.karvefitness.co