Drug & Provider Coverage Caveats

#250: Chris dives into listener questions, covering open enrollment, investing, buying gold, life and auto insurance, RSUs, practical ways to leverage AI tools and more.

Link to Full Show Notes: https://chrishutchins.com/open-enrollment-AMA-2025

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Resources Mentioned

PEOs: TriNet | Justworks

Insurance Broker: Rich Sterling

Productivity/AI Tools

• Notion
• NotebookLM
• Replit
• Cursor
• v0
• Figma
• Perplexity
• Claude

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ATH Podcast

• Newsletter
• Ep #34: Insider Tricks to Healthcare, Prescriptions and Medical Bills with Marshall Allen
• Ep 104: Optimizing Your Insurance Policies
• Ep #140: Navigating Open Enrollment
• Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth
• Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss
• Submit questions for our next AMA here
• Leave a review: Apple Podcasts | Spotify
• Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com

Full Show Notes

(00:00) Introduction

(00:30) Quick Episode Overview

(01:22) How to Select Your Insurance Plan

(05:19) Saving with a High Deductible Health Plan

(14:19) Tips for Specific Drugs and Providers

(15:27) Dental and Vision Plans

(17:17) Benefits of FSAs

(19:10) Getting Health Insurance Outside of an Employer

(21:08) Getting Insurance for Your Business

(23:20) Insurance via Medical Research Companies and Affinity Groups

(24:52) Direct Primary Care

(25:48) Reimbursing Medical Expenses Charged on a Credit Card

(30:45) Diversification in an Incredibly High Stock Market

(36:20) Investing in Precious Metals: Gold & Silver

(40:55) Strategy for Handling RSU Compensation

(43:35) Variable Universal Life Policy

(48:05) The Rise in Auto Insurance Premiums Following an Accident

(55:22) Buying A Used vs. New Car

(58:06) Chris's Favorite Work Tools Including AI

(01:02:07) Is AI an Actual Threat to Our Jobs?

(01:04:26) Chris's Pre and Post W2 Job Experience

(01:06:50) Find the Best Deals on the ATH Newsletter

(01:10:53) The Next Gift Card Sale

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