In this week’s episode, Haley and Dr. Noor chat about the health insurance options available for freelancers. Learn the differences between public and private healthcare marketplaces and the qualifying events that allow for enrollment outside of the open enrollment period.
Health insurance is a complex and personal decision, but it isn’t something you should have to navigate alone. Learning from (and working with!) Dr. Noor can help to simplify the process and provide tailored solutions for your individual circumstances.
Check out Dr. Noor’s guide to open enrollment or book a call to get started today!
Dr. Noor’s Guide to Open Enrollment: FREE VIDEO TRAINING
Book a Call: drnoorhealth.com/contact
Find Noor on IG @drnoorhealth
Timestamps
Marketplace Insurance and Open Enrollment (00:01:25) Explanation of the public health care marketplace, open enrollment period, and qualifying events for enrolling outside of open enrollment.
COBRA and Private Insurance Options (00:03:30) Explanation of COBRA as an option for those leaving a corporate job, the cost of COBRA, and the private marketplace as an alternative option.
Benefits and Downsides of Marketplace Insurance (00:05:06) Discussion on who would benefit from choosing a marketplace plan, income levels for qualifying for subsidies, and the quality of plans in the marketplace.
The premium (00:12:14) Explanation of what the premium is and its importance in health insurance.
The deductible (00:12:42) Explanation of what the deductible is and how it affects insurance benefits.
Max out of pocket cost (00:14:43) Explanation of what the max out of pocket cost is and its significance in preventing medical bankruptcy.
Choosing Between HMO and PPO 00:20:59 – Discussion on the circumstances where it makes sense to save money with an HMO or when having a PPO provides peace of mind and ease of access to care.
Why Health Insurance Options are Confusing 00:21:39 – Explanation of why health insurance options are confusing due to the numerous variables involved in the decision-making process.
Working with Dr. Noor Ali 00:23:50 – Information on how to work with Dr. Noor, including a 15-minute consultation and a DIY offer using Health Sherpa for signing up for a health insurance plan.
