12.23.25 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 23 December 2025

⏱️ 43 minutes

🔗️ Recording | iTunes | RSS

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Summary

The Secret to Affordable Healthcare & Will Mortgage Rates Go to 5% Soon? Wes Moss reveals a critical, little-known healthcare secret that can save early retirees, job-leavers, and other Americans thousands of dollars a month on medical coverage before age 65. Hear the incredible story of Rebecca, who thought she was stuck paying $2,500/month for COBRA but discovered a way to slash her premium to less than $200 through the ACA, thanks to enhanced subsidies. Wes walks through how to use free resources to save big. Also, Wes breaks down the latest Fed rate cut and explains why it may not mean cheaper mortgages. Mentioned on the show: Calculator: ACA Enhanced Premium Tax Credit National Association of Benefits and Insurance Professionals Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 23, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com 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 episode is brought to you by Shopify. With Shopify, 2026 is the year you make it happen. It gives you the tools to build your dream store, online and in person. Plus with marketing built in, it'll help you reach exactly who you need to. Join the millions who've already made the leap, like Jim Shark and all birds, and ring in the new year with Shopify.
0:23.3	Sign up for your £1 per month trial at Shopify.com.uk slash Spotify.
0:34.7	Welcome to Ask an Advisor. I'm Krista DiBias here with Mr. West Moss, who is an investment advisor.
0:42.3	Yes, that's true.
0:43.3	That is true.
0:44.3	And we're going to talk about some really interesting topics today.
0:47.7	It's health care enrollment system for so many, including the ACA.
0:52.5	Season.
0:53.2	Yeah, season.
0:58.0	Yeah. Oh, season. season yeah health care enrollment system the first enrollment period ended mid-december but now we're in another enrollment period until
1:05.4	mid-January so that if you're enrolling now through the ACA, it would be for coverage, the beginning of FEB.
1:12.9	So there's still time. Okay. And you have a very interesting, compelling story to share with
1:18.2	everyone about trying to find health care. Even if you're well under the age of 65, a lot of people
1:22.9	ask us about retirement health care. And I actually have a question for you about that today.
1:27.3	And there's been a lot of changes in policy. and I think it's a confusing period of time of
1:31.2	what those supplements might be. The cost of health care is skyrocketed in the last decade.
1:37.1	It's really besides a mortgage and for some families, even more so than a mortgage is the cost of
1:43.1	health care. It's dramatic. And then we did see a Fed rate cut again a couple weeks ago, and you're going to talk about that and what we're seeing and what the implications that are. And should we be so concerned every time we hear about the Fed cutting or raising rates? Right. Or be worried about or waiting for lower mortgage rates. And I know a lot of people are waiting for lower rates
2:02.5	in order to make a home purchase or move. And I just don't know if that's coming anytime soon,
2:08.1	even though the Fed just cut again. I'll talk about that. And we'll, of course, we'll get to your
2:13.0	questions. You can submit those at clark.com slash ask. Why don't we start with this?
2:18.1	And this applies to, this is a story I'll share today that it's more common than most people might think.
	...

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