If you’ve been hearing more talk about health insurance costs lately — you’re not alone. From higher renewal premiums to open enrollment decisions, healthcare has become one of the biggest line items in many household budgets.

In this episode, Melissa Joy, CFP®, talks with Cole Craven, co-founder of Move Health, about what’s really happening with health insurance in 2025 and how to make confident decisions for your family or your retirement.

Cole works closely with financial planners to help clients understand their options, and he shares practical insights you can use right now — whether you’re choosing coverage through your employer, the marketplace, or looking ahead to early retirement.

You’ll learn:

• What’s driving healthcare costs higher in 2025
• How the Affordable Care Act (ACA) marketplace actually works
• The difference between COBRA, private plans, and marketplace coverage
• What to know about tax credits (and what might change next year)
• Why planning for healthcare is essential if you’re retiring before 65
• How to find the right help during open enrollment

If you’ve ever said “I’d retire early if it weren’t for health insurance,” this conversation is for you.

Resources:

• Learn more about Move Health: advisors.movehealth.io
• Connect with Cole: https://www.linkedin.com/in/cole-craven/,
• Follow Move Health https://www.linkedin.com/company/move-health-partners

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