Today, Explained Why your health insurance is so expensive
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Nov 9, 2025 
Lisa Jarvis, a healthcare reporter for Bloomberg, helps listeners navigate the complexities of health insurance, from understanding premiums to choosing plans during open enrollment. Julie Rovner of KFF Health News sheds light on why U.S. healthcare costs are skyrocketing, highlighting factors like aging populations and weak price regulation. Dylan Scott from Vox discusses alternative insurance options, such as cost-sharing ministries, and their potential pitfalls. Together, they provide valuable insights on reducing healthcare spending in a high-cost system.
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HR Won't Pick Your Plan
- Natalie received a benefits book and no help from HR to choose a plan.
- The HR specialist refused to pick benefits for her, leaving her confused during open enrollment.
Match Plan To Your Use
- Assess how you use healthcare before choosing a plan each year.
- Match plan type (HMO vs PPO) and network needs to your expected care and prescriptions.
Compare Full Cost Picture
- Compare premium, deductible, and copay amounts, not just the paycheck deduction.
- Consider an HSA with a high-deductible plan to save pre-tax for expected costs.