Open Enrollment, Diversifying Investments, Buying Gold and More Listener Q&A
All the Hacks: Money, Points & Life
How to Select Your Insurance Plan
Chris explains EPO vs PPO vs HMO, his evolving plan choice, and when a high-deductible HSA plan makes sense.
#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
Partner Deals
Fabric: Affordable term life insurance for you and your family
Superhuman: Free month of the fastest and best email with code ALLTHEHACKS
Gusto: Free 3-month trial of the #1 payroll software
DeleteMe: 20% off removing your personal info from the web
Mercury: Help your business grow with simplified finances
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
Insurance Broker: Rich Sterling
Productivity/AI Tools
Mesa Homeowners Card (50k bonus with code CHRIS50)
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
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
The AI-powered Podcast Player
