Amanda Kish

speaker

243 appearances 2 recordings 1 series first heard May 2026 last heard 1 Aug

Amanda Kish’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 2 in all, peaking in Aug 2026 with 1.

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Motley Fool Hidden Gems Investing · Insurance-palooza! All You Need to Know to Protect Your Income and Wealth · 1 Aug 2026 podcast

Welcome back, Amanda.

Thank you so much.

I'm glad to be back.

So you're right, most of us are probably stuck on the sidelines right now until that open enrollment period.

But that's actually the perfect reason to start thinking about it now instead of waiting until November when we're frantically clicking through that benefits portal under threat of a deadline.

So the big decision that most people wrestle with is, do I want a high deductible health plan versus that traditional PPO or preferred provider?

So the high deductible health plan has a much higher and quite frankly, scarier looking deductible, but that usually comes with lower premiums.

And importantly, that's your ticket to opening a health savings account or HSA, which is the only triple taxed advantaged account in the entire tax code.

And that means money goes in tax free.

It grows tax free and then comes out tax free for medical expenses.

So if you've got a high deductible health plan, max out that HSA if you can.

And here's potentially a smart move.

You can pay those medical bills out of pocket now if your budget will allow it.

But save those receipts and let that HSA principle grow untouched for years, possibly even decades.

And then you can reimburse yourself for that, you know, that decades old copay anytime you want as there's no expiration date.

And with that in mind, that HSA can quickly become one of the best retirement accounts that you'll ever have.

But ultimately, the seed I want to plant here is don't just default to whatever health plan you picked five years ago.

Make sure you run the numbers on premiums versus deductible risk versus HSA eligibility every single open enrollment.

So one way to think about life insurance is that it really is just a form of income replacement.

So if people depend on your paycheck, whether that's a spouse, kids, maybe an aging parent, you probably need it in some form.

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