110: How to Maximize Your Employee Benefits When Premiums Keep Rising

The Sugar Daddy Podcast

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9d ago 44:17

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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 potential
FSAs and Dependent Care FSAs: pre-tax savings for medical and childcare costs
Short Term Disability: using it for maternity or recovery time
Group Life and Disability Insurance: what’s covered and where the gaps are

If your health plan feels more expensive but offers less, this episode helps you make the smartest choice for your family and your wallet.

Head over to our YouTube channel to catch this episode in full video form.

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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. Our mission? To help couples and individuals grow rich in every sense of the word: emotionally, relationally and financially.

Chapters

1. Stakes Are Higher This Year (00:00:00)

2. Politics, Premiums, And Policy Reality (00:02:59)

3. Reset: Focus On What You Control (00:07:55)

4. How We Compare Plans And Costs (00:08:59)

5. Prescriptions, Networks, And Fine Print (00:13:42)

6. Dental, Vision, And Kid Considerations (00:18:25)

7. Hidden Benefits Worth Real Money (00:24:45)

8. HSAs, FSAs, And Tax Advantages (00:29:27)

9. Short‑Term Disability And Leave Nuances (00:33:55)

10. Share Your Premiums And Get Help (00:42:00)

124 episodes

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