Choosing health insurance doesn’t have to be overwhelming - but it can be! In this episode, Chuck is joined by health insurance advisor Chet Pietras, who brings 40+ years of experience helping individuals and families make smartcoverage decisions.

Together, they cover:

• Open enrollment for 2026 (Nov 1 – Dec 15, 2025)
• The biggest mistakes people make when choosing a plan
• Key differences between HMO and PPO networks
• When to use the ACA Marketplace vs going direct to a carrier
• How to budget for premiums, deductibles, and copays
• What to check if you take prescription meds or have chronic conditions
• Why working with an agent costs you nothing but can save you thousands

In these 50 minutes, you’ll understand how to prepare for openenrollment, what factors really matter in choosing a plan, and how to avoid costly pitfalls.

• Resources Mentioned:
• Healthcare.gov: For research and shopping for ACA plans and determining subsidies
• Federal Poverty Level Charts (for subsidy eligibility): https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines
• Connect with Chet Pietras (for Florida Residents):Phone: 727-946-8294Email: cpietras@sisfl.com
• https://www.yourmedplan.com/
• Chat GPT and other AI tools are helpful for personalizing your research. Check out our last episode to see why!

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