0:00.0	If you don't get health insurance through an employer or you're between jobs, a freelancer,
0:10.4	or an early retiree, shopping for health insurance right now can be downright confusing.
0:17.4	The entire landscape of individual health insurance feels like it's reaching a crisis point.
0:23.9	The rising cost of health care combined with the looming year-end expiration of federal tax credits
0:30.1	that significantly reduce the cost of health premiums means coverage will become unaffordable for millions of households.
0:38.4	This podcast will review the options for purchasing comprehensive health insurance for
0:43.5	26. I'm in the middle of doing this right now myself. I'll also review the history of the Affordable
0:49.6	Care Act or ACA and what the future may hold. While I can't say there's a sure-fire way to make health
0:57.5	insurance affordable, knowing your options empowers you to shop and compare costs and benefits.
1:04.6	In my opinion, choosing a plan that protects your health and wealth has never been more
1:09.9	important. Welcome back, everyone. This is
1:12.4	episode 981 of Money Girl. I really appreciate you being with me and downloading the show.
1:18.8	I'm Laura Adams, an award-winning author, on-camera spokesperson, money speaker, and founder of the
1:25.7	MoneyStack. That's my substack newsletter. Free subscribers automatically
1:29.9	receive my money success toolkit, which includes the exact templates I use to manage my finances.
1:35.8	So I would love for you to join the money stack. You can learn more, ask questions, and sign up for
1:41.4	the money stack for free at laura d.adams.com. You can also leave me a voice message
1:47.6	with your question or comment by calling 302-364-0308. I'd love to feature your question on
1:56.3	Finance Friday. That's our weekly Q&A bonus edition of the show. All right, let's talk about the history
2:03.4	of the Affordable Care Act first. You all probably remember this. It was enacted in 2010 as a major
2:11.8	overhaul of the United States health care system. Its goal had three major parts. One was to make health insurance more
2:19.3	affordable by reducing premiums. The second goal was to expand the Medicaid program to cover more
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