Your Money Map Replay: How to Prepare for Rising Healthcare Costs in 2026

HerMoney with Jean Chatzky

Jean Chatzky Her Money

Investing, Entrepreneurship, Business

4.8 • 1.3K Ratings

🗓️ 31 October 2025

⏱️ 42 minutes

🔗️ Recording | iTunes | RSS

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Summary

With healthcare premiums expected to spike and enhanced ACA subsidies set to expire, millions of Americans may be facing a serious coverage crunch. In this timely episode of Your Money Map, Jean Chatzky is joined by retirement experts Marcia Mantell and Jae Oh to break down what’s really happening with the ACA, Medicare, and employer-sponsored insurance, and how you can protect your wallet. We dig into: How the government shutdown could impact Affordable Care Act subsidies The true cost of healthcare in 2026 Why open enrollment this year will be more complex than ever How to budget for Medicare premiums and unexpected expenses Strategies for using guaranteed income (like Social Security or annuities) to cover rising healthcare costs Tips to avoid scams, navigate robocalls, and make smart insurance choices The power of Health Savings Accounts (HSAs) and high-deductible plans 🔗 For more resources and tools from the Alliance for Lifetime Income, visit ProtectedIncome.org 📬 Sign up for their newsletter: protectedincome.org/subscribe 💬 Like what you hear? Leave us a 5-star review and share the episode with a friend! Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:40.4	See you in class.
0:44.3	This has always been the case.
0:46.3	It just happens to be that we've got this incredible convergence of all of these moving parts.
0:52.5	So yes, is your bottom line?
0:55.4	You'll want to check every detail every year. That is the way our world works. I don't think we're going back to a
1:01.9	situation where you can set it and forget it.
1:08.1	Hey, everyone, and welcome to Hermione. I'm Gene Chatsky. If you've been watching the news lately or just feeling the pinch in your wallet, you already know that health care costs are rising and fast. Premiums are jumping across the board. Millions of Americans who rely on Affordable Care Act subsidies are bracing for major changes.
1:31.4	It's easy to feel overwhelmed. It's easier to feel powerless. But we're here today to help you
1:38.3	sort through some of the confusion and take back control. To do that, I am joined by two experts I trust deeply. Marcia Mantel is a
1:48.0	retirement advisor and founder of Mantel Retirement Consulting. J.O. is a certified financial planner
1:55.0	and author of Maximize Your Medicare. Together, they break down what's really happening with
2:00.1	ACA subsidies, how the government
2:02.0	shutdown could impact your wallet, and what you need to know if you're shopping for coverage
2:06.8	right now, whether it's through your employer, Medicare, or the ACA marketplace. We talk about
2:13.0	everything from sticker shock and subsidy cliffs to high deductible plans and HSAs. And we offer real
2:20.8	actionable strategies like how to use guaranteed income to cover health care costs and how to
	...

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