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Your host of the CLEARly Beneficial podcast, Vincent (Vinny) Catalano, explores the critical decisions employees face during open enrollment for 2026 health coverage. He highlights that most employees spend only 9 minutes reviewing complex insurance materials, despite significant cost implications. The episode breaks down essential concepts including payer mix, out-of-pocket maximums, and the differences between HMO and PPO plans.

Vincent emphasizes the strategic advantages of high-deductible health plans paired with Health Savings Accounts, explaining how HSAs offer triple tax benefits and can serve as long-term investment vehicles. He stresses the importance of total cost of ownership analysis when comparing plans rather than focusing solely on premium costs.

The episode provides practical guidance on checking provider networks, verifying prescription drug formularies, and reviewing supplemental benefits. 

Disclaimer: This content is for educational purposes only. Please discuss your specific situation with your health benefits administrator or insurance provider for personalized guidance.