09.29.25 This Open Enrollment Is Different / A Good Climb: CD Ladders

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 29 September 2025

⏱️ 32 minutes

🔗️ Recording | iTunes | RSS

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Summary

It’s almost time to choose health insurance for 2026 and there are some significant changes coming with medical care. Clark has important info you need to know ahead of making your elections for open enrollment. Also, interest rates are up in the air right now. Is now a good time to open a CD and/or CD ladder with predicted interest rate cuts? Clark offers a defensive strategy for the money you save. Attention: Open Enrollment Changes: Segment 1 Ask Clark: Segment 2 CD Laddering : Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Health Care Costs for Workers Begin to Climb Spot Health Insurance Scams | Consumer Advice Is it health insurance or a medical discount plan? More employers adopting ICHRAs, giving workers money to buy their own health insurance Why Clark Howard Switched His Cell Phone Service After 18 Years With T-Mobile Internet Price War: Why Now Is a Good Time To Threaten To Cancel Wirecutter: How to Avoid a Huge Customs Bill on a Cheap Online Order What Is a CD Ladder and When Is It a Good Idea? CD Ladder Calculator - Clark.com 17 New Cell Phone Deals in September SIM Card Swapping: The Dangerous Cell Phone Scam Why You Need To Lock Your Phone Number Today Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	This audio break was brought to you by Expedia and Destination Canada.
0:21.3	Book your trip to Algonquin Park, Ontario today, and see yourself in Canada.
0:29.5	Mickey could try to sell his car privately.
0:33.0	Or get it sold today with we buy any car.
0:37.5	He could spend days on end trying to sell to a bunch of time wasters.
0:43.1	Or selling a flash and head to the fun fair with the kids.
0:47.7	Proper gutted.
0:50.0	Or proper impressed.
0:52.5	To get a quote in 30 seconds,
0:56.6	enter your reg number now at we by any car.com.
1:06.7	It's great to have you here on the Clark Howard Show.
1:11.4	You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life.
1:15.7	In today's episode, we're moving closer and closer to open enrollment.
1:21.8	If you get your health coverage through an employer, you buy your own much tighter period for you to pick a plan for your
1:31.5	individual health coverage.
1:34.1	And by the way, in the past where if you're buying individual coverage, you were just
1:39.4	automatically re-enrolled unless you made a change.
1:43.1	This year you have to manually re-enter for your health
1:48.1	coverage to renew in 26. I mean, talk about what you need to know about this fall's changes
1:56.3	with medical care. And coming up later, I want to talk about your idle cash.
2:04.8	Interest rates are very much up in the air right now.
2:08.9	Reasons Federal Reserve cutting the interest rates, it controls,
	...

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