Matthew Campbell

Well, you know, that really can depend. So as we've kind of talked about, you know, I've kind of went through different employment scenarios over the last year. So my focus on health insurance has kind of changed. So when I, I'm I my new insurance just started in January and I got to pick my plan and all of those things. And when I was going through those options, I mean, I'm relatively young.

Well, you know, that really can depend. So as we've kind of talked about, you know, I've kind of went through different employment scenarios over the last year. So my focus on health insurance has kind of changed. So when I, I'm I my new insurance just started in January and I got to pick my plan and all of those things. And when I was going through those options, I mean, I'm relatively young.

So I wanted to pick the cheapest option or one of the cheaper options for me. I didn't pick the cheapest, but, you know, I kind of did that risk assessment and kind of had, you know, like, what do I need? What do I don't need? But at the end of the day, you're kind of limited to, you know, these kind of three plans.

So I wanted to pick the cheapest option or one of the cheaper options for me. I didn't pick the cheapest, but, you know, I kind of did that risk assessment and kind of had, you know, like, what do I need? What do I don't need? But at the end of the day, you're kind of limited to, you know, these kind of three plans.

Fortunately, through my employer, those are all like within my budget and very reasonable. But back up a little bit. for the month of December and for kind of like thinking about November, I, when I wasn't in times of that, I wasn't employed or didn't have health insurance. I kind of had to make that risk assessment of, do I want to try to get private insurance? Do I want to use Cobra?

Fortunately, through my employer, those are all like within my budget and very reasonable. But back up a little bit. for the month of December and for kind of like thinking about November, I, when I wasn't in times of that, I wasn't employed or didn't have health insurance. I kind of had to make that risk assessment of, do I want to try to get private insurance? Do I want to use Cobra?

Do I want to do all these things? And then all of a sudden health insurance was not affordable. I mean, it, I mean, I was looking even through Minnesota, you know, the Minnesota marketplace, Minsure or whatever it was, it, I mean, $400 a month for a deductible that was $6,000. Right. And that was just... Insane. Insane. I mean, just what's the point of even having insurance at that point?

Do I want to do all these things? And then all of a sudden health insurance was not affordable. I mean, it, I mean, I was looking even through Minnesota, you know, the Minnesota marketplace, Minsure or whatever it was, it, I mean, $400 a month for a deductible that was $6,000. Right. And that was just... Insane. Insane. I mean, just what's the point of even having insurance at that point?

And then, I mean, the argument could be made, like, if I was, you know, to have some crisis come up, it would at least cover something. But you had to kind of weigh that cost and risk. And so... I would say it's that constant balance of what's attainable, what am I eligible for, what is affordable, and kind of balancing all that out.

And then, I mean, the argument could be made, like, if I was, you know, to have some crisis come up, it would at least cover something. But you had to kind of weigh that cost and risk. And so... I would say it's that constant balance of what's attainable, what am I eligible for, what is affordable, and kind of balancing all that out.

And it is really hard and complex because you can't predict the future. So it's definitely shifted based on what the options are. And of course, coming from a public health background, I'm a little biased in that I want, you know, I want great health insurance and I want to be able to go to the doctor as much as possible.

And it is really hard and complex because you can't predict the future. So it's definitely shifted based on what the options are. And of course, coming from a public health background, I'm a little biased in that I want, you know, I want great health insurance and I want to be able to go to the doctor as much as possible.

And I want to, and my utilization rate is probably going to be a little bit higher than someone who maybe is not in public health or doesn't care about it as much, but I can definitely see that it shifted. And I'm definitely seeing the cracks in employer sponsored health insurance because it really makes it challenging and difficult to kind of especially earlier in a career.

And I want to, and my utilization rate is probably going to be a little bit higher than someone who maybe is not in public health or doesn't care about it as much, but I can definitely see that it shifted. And I'm definitely seeing the cracks in employer sponsored health insurance because it really makes it challenging and difficult to kind of especially earlier in a career.

And for people, for younger people like me, it seems, we're moving companies a lot more now. And we're, and like, there's a lot more individual contributors or you're not like technically fully employed or you're a 10, nine, whatever it's called when you're, you know, you're consultant or whatever the case may be. What options then do you have? And

And for people, for younger people like me, it seems, we're moving companies a lot more now. And we're, and like, there's a lot more individual contributors or you're not like technically fully employed or you're a 10, nine, whatever it's called when you're, you know, you're consultant or whatever the case may be. What options then do you have? And

That's made it really challenging, I think, over the last year for me.

That's made it really challenging, I think, over the last year for me.

Well, so that was the case, wasn't it? I didn't know what I was going to do, but I knew that I couldn't afford the insurance rate and I couldn't afford insurance. So, I mean, this sounds terrible, but there was this running joke that I had that it's like when it was icy out and there's some steps that I have. And I would always say, I can't fall down the steps today. Yeah.

Well, so that was the case, wasn't it? I didn't know what I was going to do, but I knew that I couldn't afford the insurance rate and I couldn't afford insurance. So, I mean, this sounds terrible, but there was this running joke that I had that it's like when it was icy out and there's some steps that I have. And I would always say, I can't fall down the steps today. Yeah.