How to Be Your Own Healthcare Pro: A Plain-English Guide to Cutting Costs When Premiums Keep Climbing
Product Description
Your premium went up again this year. Here's what to actually do about it.Dale R. Olmstead spent years explaining artificial intelligence to people who didn't want to feel talked down to. Then his own health insurance renewal letter showed up with another double-digit increase, and he realized nobody had done the same plain-English job for healthcare costs.This isn't a book telling you to cancel your insurance. It's a book that walks you through every legitimate option for paying less — clearly, honestly, at the kitchen table.Inside, you'll find straight answers on the tax-advantaged account most people have and barely use (the HSA chapter alone could save you thousands), direct primary care memberships that skip the insurance billing runaround, how to legally ask any provider for their cash price before a procedure, and the real, unglamorous truth about health sharing ministries — including exactly where the risk lives that most sales pitches leave out.Dale doesn't oversell any of it. There's a whole chapter dedicated to the one thing he refuses to let you cut, no matter how tight the budget gets: real protection against the genuinely bad day.Inside:A five-minute way to compare any two health plans without a spreadsheetWhy your HSA might be the best-kept tax secret in AmericaWord-for-word scripts for negotiating a surprise medical billWhat health sharing ministries won't tell you upfrontA full open-enrollment checklist, plus a shopping calendar for the whole yearAn FAQ and glossary for fast answers whenever you need themNot medical, legal, or tax advice — just the questions to ask, explained by someone who asked them first. Read more
