Figuring out Health Insurances: Tips and Hacks

Are you ready for health care open enrollment? Open enrollment for health insurance is right around the corner. However, no matter when you’re listening to this vault episode, you’re going to love this guide to hacking health insurance with Cosmopolitan Deputy Lifestyle Director Ashely Oerman. Ashley is breaking down what you need to know to save some bucks in the process, like her great tip on whether to choose an HMO or PPO. She also shares what you need to know about a Health Savings Account and ways to save on prescription drugs. LINKS Cosmo's Smart Girl's Guide to Hacking Health Insurance  Open enrollment guidelines Ashley on Instagram Ashley's website Timestamps [00:02:57] PPO as a better option. [00:06:00] Choosing health insurance plans. [00:09:39] Health costs without insurance. [00:12:13] HSA health savings accounts. [00:16:34] Therapy and mental health. [00:21:42] Getting married for health insurance. [00:24:03] Prescription drug prices and savings. [00:29:39] Living in an expensive city. [00:32:03] Negotiating medical bills. SPONSORS Thanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off. Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off. How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/  Keywords: Open enrollment, health insurance, how to pick the best health plan, deductible, out-of-pocket max, HMO, PPO, premium, money, personal finance Learn more about your ad choices. Visit megaphone.fm/adchoices

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Ever wake up at 3 a.m. in a full-blown panic, wondering if you’ll ever have “enough” money? Maybe you’re making more than ever, but somehow, the worry never goes away. You stress over every purchase, second-guess every money move, and still feel like you’re one wrong decision away from losing it all. Here’s the truth: It’s not just about the dollars—it’s about what’s happening in your head. Welcome to Everyone’s Talkin’ Money, the podcast that finally tells it like it is: your emotions, thoughts, and habits around money are what’s keeping you stuck— not just your paycheck. Hosted by Shannah Game and Shari Rash, money experts who want to help you ditch shame, rewrite the rules, and help you feel powerful with your finances. Don't worry, this show isn’t another snooze-fest finance podcast. We're here to help you unf*ck your finances and finally build wealth in a way that actually feels good. If you’re tired of finance bros yelling at you for buying a damn latte and sick of money advice that doesn’t fit your life, hit subscribe. It’s time to unravel your money mess, rewrite your story, and start building wealth—on your terms.