Health insurance costs are climbing, and this year’s open enrollment feels tougher than ever. Premiums are up, deductibles are higher, and plans seem designed to confuse you. In this episode, Jess and Brandon walk through how to actually compare your options by looking at total yearly cost, not just the monthly premium. You’ll learn how to plan for high-cost years with surgeries or pregnancies versus lower-cost preventive years, and how to understand how network changes, prescriptions, and hidden fees can impact your real out-of-pocket costs.They also break down the tools that help you fight rising healthcare costs:HSAs: triple tax advantages and long-term growth potentialFSAs and Dependent Care FSAs: pre-tax savings for medical and childcare costsShort Term Disability: using it for maternity or recovery timeGroup Life and Disability Insurance: what’s covered and where the gaps areIf your health plan feels more expensive but offers less, this episode helps you make the smartest choice for your family and your wallet.Subscribe to The Sugar Daddy Podcast newsletter for exclusive tools and insights Head over to our YouTube channel to catch this episode in full video form. Apply to be a guest on the show. You can also email us at: [email protected] Connect with us on InstagramWe’re most active over at @thesugardaddypodcast Chat with BrandonWant to work together? Learn more about Brandon Book a free 30-min call to see if it's a fit. Show us some love, hit subscribe, leave a five star rating, and drop a quick review! Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jessica, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations about love and finances. Their mission? To help couples and individuals grow rich in every sense of the word: emotionally, relationally and financially.

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