Healthcare is one of the biggest expenses in the average American household — yet almost no one knows how to use their insurance to get the best care and the best price.

This conversation with Clayton from Alliant exposes the hidden habits and costly assumptions that cause millions of people to overspend on their health each year.

We unpack the psychology of “reactive healthcare,” how to enter the system at the right place (ER vs. urgent care vs. telehealth), why understanding your deductible changes everything, the truth about HSAs and FSAs, and why the explanation of benefits might be your most underrated financial tool.

If you’ve ever felt confused, frustrated, or blindsided by a medical bill, this episode will help you understand the game — and finally use it to your advantage.

🎥 Watch the full episode on YouTube: @DollarsAndSense.Podcast
📲 Follow us on Instagram: @hapoccu | @dollarsandsense.podcast

This information is for educational purposes only and is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider with any questions you may have regarding a medical condition.