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Avoiding Health Insurance Headaches: Enrollment Tips with Julie Davidson [episode 73]


header graphic Avoiding Health Insurance Headaches: Enrollment Tips with Julie Davidson [episode 73]

Listen to Avoiding Health Insurance Headaches: Enrollment Tips with Julie Davidson on: Apple Podcasts | Spotify | Your platform of choice  



It’s open-enrollment season, and if you’re sorting through health insurance options, you’re not alone. In this episode, John sits down with insurance expert Julie Davidson to walk through what ranch families need to know before choosing a Marketplace plan, from how subsidies actually work to what those deductibles and out-of-pocket numbers really mean.


Julie breaks down why your modified adjusted gross income is the key number that drives your subsidy, why calling to enroll is almost always better than doing it online, and what to watch for if you’re choosing between work-provided coverage and Marketplace options. John and Julie also talk through real-world considerations like prescription costs, family deductibles, HSA-eligible plans, and why Medicaid isn’t always the safety net folks assume it is.


In this episode, Avoiding Health Insurance Headaches: Enrollment Tips with Julie Davidson, we cover: 

  • How open enrollment works and why your modified adjusted gross income drives your subsidy

  • The pros and cons of Marketplace options vs. employer plans, and when to call instead of enrolling online

  • How to think about deductibles, out-of-pocket maximums, HSAs, and choosing the right level of coverage

  • What to watch for with prescription costs, plus tools like GoodRx

  • Why insurance should be viewed as risk protection, not a prepaid health plan

  • How to avoid surprise bills and tax-time subsidies gone wrong


Meet Julie Davidson:

Julie has over 20 years of experience in the insurance industry, including many years as a Claims Specialist, where she handled complex liability, farm/ranch, commercial, and property casualty claims. For the last several years, she has worked as a producer, licensed in four states, specializing in farm and ranch coverage. She has also spent most of her adult life immersed in the world of Ag, including many years on the leadership team of a large implement dealership group, many years handling the books and business aspects for a large cow/calf operation, and, of course, the best part, general labor in the great outdoors, processing, feeding, etc. She has three children, two are grown and living in TX, and the youngest is about to start his senior year. They all love spending time hiking, fishing, and exploring the Bighorn Mountains.

  

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More about the Ranchonomics podcast:  

Welcome to Ranchonomics, where we empower you to build a better ranch and transform your operation into a thriving business. This podcast is brought to you by Ranch Right LLC, and together we will look at essential strategies, mindsets, and processes needed to take command of your financials and master the business metrics that make all the difference. If you are ready to start winning at ranching, then you are in the right spot. 


With each episode of Ranchonomics, you will hear inspiring success stories, gain simple yet powerful financial literacy tips, and listen to insightful interviews with industry experts and real-life practitioners. 


Whether you are a seasoned rancher or just starting out, we believe that managing a ranch shouldn't mean drowning in paperwork or missing out on valuable opportunities. Our mission is to help you see the link between your daily ranching operations and your financials that allow you to go from chaos to clarity and achieve your goals. 


Join us as we explore the intersection of ranching and finance, helping you understand your numbers and make informed decisions that propel your business forward. 

Subscribe now and start your path to a more profitable, less stressful ranching experience with Ranchonomics. It's time to harness the full potential of your operation. 

 

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