Episode 38 - Healthcare Sharing vs. Insurance: Which Saves You More?

In this episode of Beyond Budgets®, Deb shares a personal story that hits home—navigating the unexpected cost of her son's surgery, even with insurance. That real-life experience opens the door to a bigger conversation: what are your options when traditional health insurance doesn't fit?

Whether you're between jobs, self-employed, or considering early retirement, Deb breaks down:

What healthcare sharing plans really are—and what they're not
The trade-offs of COBRA vs. marketplace insurance
Why premiums have jumped 47% over the last decade
What to know about pre-existing conditions, preventive care, and reimbursement delays
Her own experience using MediShare during a family sabbatical

Plus, Deb dives into smart open enrollment decisions for those with traditional employer plans—HSA vs. FSA, high-deductible plans, and avoiding costly dental surprises (hello, braces).