Health insurance can be one of the most important, and confusing, parts of a financial plan. Premiums, deductibles, provider networks, and coverage limitations can all affect not only your healthcare choices but also your monthly budget and long-term financial security.
These considerations may become especially important when approaching retirement, changing jobs, becoming self-employed, or providing benefits for employees. A decision based solely on the monthly premium could overlook other costs and restrictions that become apparent only when care is needed.
In this episode of Coasting in Retirement, Josh Null is joined by Jay Stubbs of Providence Partners for a conversation about health insurance and its place within a comprehensive financial plan. Drawing on Jay’s risk-management experience, they discuss why understanding your coverage matters and how insurance decisions can interact with the rest of your financial life.
What should you evaluate beyond the advertised premium? And does your current coverage still reflect your health needs, financial circumstances, and stage of life?
Listen to the full episode to hear Josh and Jay bring clarity to an area of planning that can have a meaningful effect on both your wellbeing and your finances.
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