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Kate Ashford

๐Ÿ‘ค Speaker
522 total appearances

Appearances Over Time

Podcast Appearances

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

If that's not the case, keep shopping. And the key word there is shopping. Definitely compare plans every year. Don't just auto-renew because things change. Networks change, covered drugs change, and so do your health and financial circumstances. So it's worth your time to get in there and look around.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

If that's not the case, keep shopping. And the key word there is shopping. Definitely compare plans every year. Don't just auto-renew because things change. Networks change, covered drugs change, and so do your health and financial circumstances. So it's worth your time to get in there and look around.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

If that's not the case, keep shopping. And the key word there is shopping. Definitely compare plans every year. Don't just auto-renew because things change. Networks change, covered drugs change, and so do your health and financial circumstances. So it's worth your time to get in there and look around.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Oh, your producer isn't kidding. I plugged my zip code into my state's ACA marketplace page and got 48 pages of results. Not 48 results, 48 pages. So overwhelming. You can whittle your options down in a few ways. It's incredibly tedious to check each plan to see if your doctor is a network specialist.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Oh, your producer isn't kidding. I plugged my zip code into my state's ACA marketplace page and got 48 pages of results. Not 48 results, 48 pages. So overwhelming. You can whittle your options down in a few ways. It's incredibly tedious to check each plan to see if your doctor is a network specialist.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Oh, your producer isn't kidding. I plugged my zip code into my state's ACA marketplace page and got 48 pages of results. Not 48 results, 48 pages. So overwhelming. You can whittle your options down in a few ways. It's incredibly tedious to check each plan to see if your doctor is a network specialist.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Some state marketplaces allow you to put in your medications and your doctors and filter that way. That would be helpful. My state's website did not. But you can also use budget to take another chunk of plans out. What can you afford each month? And then eliminate all plans that cost more than that. You may be able to filter...

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Some state marketplaces allow you to put in your medications and your doctors and filter that way. That would be helpful. My state's website did not. But you can also use budget to take another chunk of plans out. What can you afford each month? And then eliminate all plans that cost more than that. You may be able to filter...

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Some state marketplaces allow you to put in your medications and your doctors and filter that way. That would be helpful. My state's website did not. But you can also use budget to take another chunk of plans out. What can you afford each month? And then eliminate all plans that cost more than that. You may be able to filter...

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

By metal level, which is the plan's ranking based on costs and out-of-pocket expenses, platinum, gold, silver, so forth, it's probably safe to say that the lower-priced plans, like bronze level, offer more basic coverage. And after that, you're making choices based on what we've talked about already. How much health care do you need? What's your financial situation? You're back to that math.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

By metal level, which is the plan's ranking based on costs and out-of-pocket expenses, platinum, gold, silver, so forth, it's probably safe to say that the lower-priced plans, like bronze level, offer more basic coverage. And after that, you're making choices based on what we've talked about already. How much health care do you need? What's your financial situation? You're back to that math.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

By metal level, which is the plan's ranking based on costs and out-of-pocket expenses, platinum, gold, silver, so forth, it's probably safe to say that the lower-priced plans, like bronze level, offer more basic coverage. And after that, you're making choices based on what we've talked about already. How much health care do you need? What's your financial situation? You're back to that math.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

It all comes back to math here.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

It all comes back to math here.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

It all comes back to math here.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Absolutely. Thanks for having me.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Absolutely. Thanks for having me.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Absolutely. Thanks for having me.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Thanks, Liz. I'm so glad to be back.

NerdWallet's Smart Money Podcast
Open Enrollment: Choosing a Healthcare Plan (HMO, PPO, FSA, HSA, HDHP and More)

Thanks, Liz. I'm so glad to be back.