After watching about a dozen - with titles like “Health Insurance 101,’ ‘Understanding Your Health Insurance Costs,’ etc. - I had to stop. Too much disinformation.

Maybe my favorite (?) was a clip from a famous radio show where the host is touted as something of a financial guru. The caller was in his Open Enrollment and wanted help deciding between an “HSA or PPO.”

I’m not sure who was more confused, Dave or Robert!

If you’ve got eight minutes, click here. You’ll see what I mean.

Look. An HSA is a bank account. A PPO is a network of providers; i.e, ‘Preferred Provider Organization. Robert’s choice was between a “qualified” High Deductible Health Plan (HDHP) and a traditional deductible/co-pay plan.

More than likely both had the same PPO.

As for the choice being a simple math problem, you better get your facts straight first. (Have you ever heard of a plan with an Out of Pocket maximum of $500K!!)

Where am I going with this?

To my patio with a Margarita in hand.

It’s too damn nice out to be watching Harry and Lloyd!