Liz Weston

But then you have some sort of a health crisis or an accident and suddenly you're on the hook for all of it before the insurance kicks in. Is that a fair assessment?

But then you have some sort of a health crisis or an accident and suddenly you're on the hook for all of it before the insurance kicks in. Is that a fair assessment?

Yes. And also, if you would put off care because you have to pay for it, that's another reason not to use a high deductible plan. Absolutely. I know this is a thing. It's just something that psychologically, if you could be prone to that, then maybe get the lower deductible plan and make sure you're getting the health care that you need.

Yes. And also, if you would put off care because you have to pay for it, that's another reason not to use a high deductible plan. Absolutely. I know this is a thing. It's just something that psychologically, if you could be prone to that, then maybe get the lower deductible plan and make sure you're getting the health care that you need.

Yes. And also, if you would put off care because you have to pay for it, that's another reason not to use a high deductible plan. Absolutely. I know this is a thing. It's just something that psychologically, if you could be prone to that, then maybe get the lower deductible plan and make sure you're getting the health care that you need.

Yeah. We'll get to some of the details about health savings accounts in the second half of the show because you mentioned those. But let's talk about the kind of second tier sort of decisions. which is looking at co-pays, co-insurance, and out-of-pocket maximums. All of these have potential to show up in a variety of plans that are offered to most people.

Yeah. We'll get to some of the details about health savings accounts in the second half of the show because you mentioned those. But let's talk about the kind of second tier sort of decisions. which is looking at co-pays, co-insurance, and out-of-pocket maximums. All of these have potential to show up in a variety of plans that are offered to most people.

Yeah. We'll get to some of the details about health savings accounts in the second half of the show because you mentioned those. But let's talk about the kind of second tier sort of decisions. which is looking at co-pays, co-insurance, and out-of-pocket maximums. All of these have potential to show up in a variety of plans that are offered to most people.

So give us a rundown of what they mean, especially co-pay versus co-insurance.

So give us a rundown of what they mean, especially co-pay versus co-insurance.

So give us a rundown of what they mean, especially co-pay versus co-insurance.

And how do you go about evaluating where these fit into your decision making? I mean, high deductible with low co-pays, low deductible with high out of pocket. We're doing a lot of math here, aren't we?

And how do you go about evaluating where these fit into your decision making? I mean, high deductible with low co-pays, low deductible with high out of pocket. We're doing a lot of math here, aren't we?

And how do you go about evaluating where these fit into your decision making? I mean, high deductible with low co-pays, low deductible with high out of pocket. We're doing a lot of math here, aren't we?

Oh, and I was really looking forward to rewatching Arcane. Anyway, speaking of Arcane, let's move on to the alphabet soup of healthcare options. PPOs, HMOs, HDHPs, C3POs. Let's take them one at a time. What is an HMO and what are some of the advantages and disadvantages of choosing this?

Oh, and I was really looking forward to rewatching Arcane. Anyway, speaking of Arcane, let's move on to the alphabet soup of healthcare options. PPOs, HMOs, HDHPs, C3POs. Let's take them one at a time. What is an HMO and what are some of the advantages and disadvantages of choosing this?

Oh, and I was really looking forward to rewatching Arcane. Anyway, speaking of Arcane, let's move on to the alphabet soup of healthcare options. PPOs, HMOs, HDHPs, C3POs. Let's take them one at a time. What is an HMO and what are some of the advantages and disadvantages of choosing this?

Well, that's good to know. Okay, same question for PPOs. What are they and who might they be right for?

Well, that's good to know. Okay, same question for PPOs. What are they and who might they be right for?

Well, that's good to know. Okay, same question for PPOs. What are they and who might they be right for?