Healthcare Insights
Practical advice on health insurance, cost-sharing, and smarter healthcare decisions from Glen Riensche — serving Chandler, Gilbert, Mesa, and Phoenix.
18 posts
Health Insurance or Medical Cost Sharing. How Might the Bills Be Paid?
Over the next three columns, Glen Riensche compares real-world ways of paying for health care. First up: an ACA plan versus a medical cost-share membership, using a realistic side-by-side illustration.
ACA Plans Versus Other Options
Each person''s medical protection plan must be tailored to their specific needs. Here is a real-world example of the choices available and what they actually cost.
How to Choose the Best Health Insurance Policy: A Practical Framework
Over 48 years in the insurance business, one question comes up more than almost any other: "What''s the best health insurance policy to buy?" The answer starts with understanding what health insurance is actually designed to do.
The $25,000 Elephant in the Room
The average cost of an employer-sponsored family health plan has climbed to $25,572 per year. For businesses, municipalities, and schools, that elephant is real — but it is not immovable.
How Insurance Companies Are Like Unregulated Banks
Most business owners wouldn't knowingly deposit their cash in an unstable bank where they could never get it back. Yet when it comes to health insurance, that's exactly what happens every single year to far too many businesses.
Should You Spend Your HSA or Let It Grow? Why I Think Most People Get It Wrong
If you can comfortably pay today''s medical bills out of pocket, allowing your Health Savings Account to continue growing may be one of the smartest long-term financial decisions you can make.
Molecular Hydrogen Water
Every day we are flooded with claims about miracle health products. Over the next few columns, Glen Riensche takes a myth-busting look at the latest wellness trends. First up: molecular hydrogen water.
When Your Deductible Feels Like No Insurance at All
Having health insurance doesn't always feel like having protection. For anyone with a high deductible, knowing your options before you schedule care can matter more than simply handing over your insurance card.
When ACA Coverage Doesn't Fit: What Are the Alternatives?
Premiums are high, deductibles are higher, and out-of-pocket maximums can still leave families exposed to thousands in medical bills. Here is a practical look at the alternatives available to self-employed individuals and those without group coverage.