In this episode, I have special guest Michael Freese from US Health Advisors. We go into the latest trends in health care insurance and what to do if you’re laid off, or maybe your employer isn’t giving you the best options!

Michael Freese

Licensed Insurance Agent

USHEALTH
Advisors

1011 Ives Dairy Rd, Suite 208 Miami, FL 33145

Cell: 612-965-2432

ushagent.com/michaelfreese

www.facebook.com/NPHealthInsurance/

www.linkedin.com/in/michaelfreese71/

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If you're looking for a trusted source to help you stay on top of the ever-changing financial world of investing, retirement and estate planning, and asset protection, whether it's for you and your family or your small business, you're in the right place. This is the 1715 Treasure Coast Financial Wellness Podcast, where we'll keep you up to speed with the latest market news and conditions every week. Now here's your host, Thomas Davies. Well, welcome to another episode of the 1715 Treasure Coast Financial Wellness Podcast.

My name is Thomas Davies. I'm a wealth advisor here in Stewart, Florida, and welcome to the podcast. Lots to talk about today. We have a very special guest, Michael Freese from USA Health Advisors.

He's going to be talking about everything healthcare. That is going to be an interesting interview as everything has risen in the costs of everything. Healthcare certainly is one of them. As a recession potentially may loom, healthcare is certainly going to be a concern if you get laid off.

I can tell you that speaking to him, that I learned a few new things, and hopefully it will be beneficial to you. Some news of the week, the FTX fallout continues. We'll see where all this lands. Very interesting interview on CNBC with the former CEO, and the question is, was he lying?

He certainly seems like he lied to a lot of people and stole a lot of money, so we'll see how that continues. The markets ended positive for November, so that was a big lift to see a little bit of the positive in the markets. The last couple of days here we have retreated back a little bit, but it looks like we're treading that 200 day moving average right at 40.50 on the S&P 500, so that's a big technical that we broke through when we had the big rally there. That's going to be it for news, it was kind of a slow news week, other than we had jobs reports today, it's showing growth, and that's maybe the sell off.

The consensus is the Fed is still going to raise rates, now maybe 50 basis points on December 14th, we'll see, could be 75, I don't think that would be a shock to the system, but with Fed Chairman Powell's comments this week, they seem to be a little more dovish, and hence why we had the big rally on Wednesday. So we'll see, we'll see how those things play out. We have a great show for you here today, like I said, with Michael, learning about health insurance. I can tell you that if you do not have your health, that you do not have your wealth.

You can have all the money in the world, and if you're not well enough to enjoy it, it just doesn't matter. One of the things we like to do here is make sure that everything is covered, whether it be life insurance, health insurance, Medicare, Medicaid, Social Security, whatever that need may be, and especially if it's in a financial manner, that's what we do here at Davies Wealth Management. If you need a financial advisor, we can advise you on those things, or we can get you in front of the experts that are going to be, and I should say trusted experts, that are going to help advise you the right way with no prejudice as we do, or no conflicts of interest, and steer you in the right direction for whatever your best interests are. I still shake my head every time I think about the fiduciary rule.

I am a fiduciary, and I just shake my head that they had to pass a law to put clients' best interests first. It's just, I don't know, moral fiber, maybe, the way that I was raised, but if you do business for someone, you want to put their best interests first, and so that's just the way things are, but interesting outlook, ready for the weekend. I hope everyone had a nice holiday last week here in the U.S. I know we have a few international listeners.

Happy Turkey Day for everyone, and now the rush is on for the holidays and the end of the year. Will we get that Santa Claus rally? I think it's treading water right now, and we'll see how things look. This number today was pretty promising that we're looking more of a soft landing.

The Dow is actually only about down 5% or 6% year-to-date. The S&P has come back to being down only 15%, and the NASDAQ is still in bare territory over 20%, about 24% down year-to-date. We have been calling for a long time that a correction was needed. 15% is a correction.

If we end up year-to-date down 15%, we'll see how that goes. We'll probably get that Santa Claus rally towards the end of the year. Nice little bump. We got through the elections since the last time I was here.

Did take a couple weeks off for the holidays, and for those of you that reached out and was wondering where I was at, well, we didn't go into hiding, just took a couple weeks off from the podcast and look forward to having some new guests. I am going to have Richard Karpolos, our CPA, that we work with here. He will be on the show in the next week or two. He's been dealing with year-end things on his end for his clients, and as we get towards the end of the year, it becomes busy.

A couple quick questions. As we get towards the end of the year, is your advisor asking you to do a year-end review? It's been a tough year. There's been a lot of losers, just very few winners.

It may be time to reallocate that portfolio as we go into 2023-24. I did hear something that I thought really made a lot of sense this week on one of the shows, and that was that as we go into a high inflation, you go short duration, and if you go into low inflation, then you're going to go to long duration, meaning like growth. The question is, are we going to stay at high inflation? That 8% is a CPI number.

When that comes out, will it continue to trend lower? If that's the case, and according to this statement, then you should be going longer duration, meaning more growth as inflation tends to go down. We'll see how that plays out over the next couple weeks and months, and look forward to 2023. Once again, 2022 has been certainly a choppy year.

Everyone that I speak to from the institutions consider 2023 another choppy year in the markets. As we still are dealing with two more years of the Biden presidency, and certainly as we get into 2023, the rhetoric will certainly start ramping up, and we'll see. Elon Musk made some waves, there's some news there. Just trying to think of some things off the top of my head.

Took over Twitter, fired a whole bunch of people, and screamed at Apple and Tim Cook, the CEO, if you didn't hear, and apparently there was a phone call and all things were worked out. One thing that was revealed that is a not so insider secret is that how Apple charges on their apps, and my understanding is that Congress is looking into this because it's just one of those monopolized items that Apple has. Is Apple a growth or a value play? I think it's a great question.

We haven't seen a lot of innovation out of Apple lately with new products other than what they're doing to their current phones with the iPhone 14, but certainly their Apple services have been Apple Music, etc. But we'll see. We'll see what their innovation will be, and we'll keep that on tap. So with that, with no further ado, I'd like to welcome Michael Freese onto the show, and we're going to talk a little bit of health insurance.

All right, Michael, let's go. Well, good afternoon, Michael, and thank you for being on the show today. Michael Freese is with U.S. Health Advisors, and we are going to talk about everything health insurance.

So, Michael, welcome to the show. Thank you so much for having me, Thomas. Great pleasure being here with you. I appreciate what you do, and I look at you as a mentor like anybody else, especially as a financial advisor.

I appreciate that. Well, in the world of health insurance, we're going to have a lot of questions, and hopefully we'll get some comments here. And also, too, we don't just stay specific to Florida. We got a lot of listeners all across the country, so we'll try to be a little general and not so specific to Florida.

But some of the top questions that we're getting is, you know, Michael, coming to you, what's the most common way to get health insurance? Honestly, what most Americans actually do here, you know, and I help with every single situation, but it's usually through your job, you know. Most people work in a nine-to-five, you know. They get coverage through their employer.

It's super easy to sign up, but for a lot of Americans, you know, once they do, you know, go out on their own or they start their own business or they become like a travel nurse or, you know, as a truck driver where you don't get those benefits offered to you, you don't get dental, health, you know, vision insurance, that stuff offered, you're kind of out there, you know, in the desert almost, you know, you got to try to find the best water to drink from. And that's where I just come into play, you know. I want to make sure that you get the best plan for the best price and, you know, my opportunity in at least the health insurance world is really I can look at every single plan and really every single carrier out there. So, you know, we can find what that best water is, you know.

If you're staying out in the desert, you know, we need to look for what can you use on a day-to-day basis and what's obviously going to protect you long-term, you know. But, you know, that would be, you know, what most people do is, hey, you know, what can I do to look at health coverage across the board, you know, and try to find the best plan. Gotcha. So, you know, when someone's self-employed like that, they're going to reach out to you and you're going to be able to guide them and just, you know, so we understand that, you know, if someone already has health insurance through their employer, you're actually able to look at that plan and say, you know, gee, is this the best plan for you?

So, you know, if I work at a large company and, you know, and I got my plan through my employer, I may still want to call you and have you take a look at my benefits to make sure that what I'm paying for is still a great benefit and there may be something else out there, you know, that's that's offered that may be better for me and my family. Exactly. You know, I mean, the main people I help out are people that don't have it yet because their employer doesn't give it to them or on the contrary, they think for a second that they're overpaying. For example, like I just helped out a client.

This was last Friday. Apparently their employer coverage for her, the son and obviously her husband was over $1,500. You know, they're in their mid 30s, very young individuals. This should not be over $1,500 a month.

Now, the employer was pitching in half, but $700 is still a lot of money just for a group of three people. We were able to find a preferred rate. So sometimes employer coverage is not always the best bet, especially if you work in, you know, more hazardous applications or certain where certain guidelines are established, you know, where, hey, I'll cover just the employee. The employer says employers like, hey, I'll cover you, Stacey, you know, you're a good employee to me.

But Stacey, if you want to add on your husband and your kids, you're going to have to pay full price. These points are really good points. And I know, you know, one of the things that, you know, there's an old saying is price is what you pay, quality is what you get. You know, so, you know, when people are looking at health insurance, a lot of times they're looking, you know, for the most affordable, you know, cheapest health insurance.

And sometimes that's not always the best option, even though it's the cheapest, it doesn't give you the best in roundabout coverages. Would you agree with that? Yeah. I mean, it's like everything in life, you know, and I use a lot of analogies with the car industry.

You know, we've all bought a car sometime in our life, same thing goes with health insurance. But, you know, if you're getting something that's really cheap, it might be cheap for a reason. It's like buying a Ferrari. Somebody promises a Ferrari to you, and you only have to pay $20,000 for this Ferrari.

You know, they're going to quote, you're probably going to question, hey, is there a Ferrari engine in the car? Yeah, it turns out to be a Fiero. Yeah, exactly. You know, so that's, it's, you know, cost is a lot of things in this business.

And we try to utilize how to get the most efficient plan for costs. But you know, if you want something, the cheapest thing out there, you know, I guess something that would just be the lowest quality, you know, we can find something that that's something they're really struggling. But like anything, it's good to invest in. I'm sure that you're pretty aware of that, Thomas, you know?

Yeah. And, you know, for our listeners out there, you know, some of them, you know, are on a budget and really they're, you know, trying to stay within their budgets. As we know, everything has gotten more expensive. Just go to the grocery store, the gas station, and, you know, it's putting a little more dent in your wallet.

You know, so one of the things that, you know, we look at as an advisor is getting with a health insurance expert like yourself and making sure that they have those coverages. Because ironically, one of the biggest bankruptcies, you know, that you can go bankrupt with is your health. Exactly. And I always point to Steve Jobs, like, you know, here's a guy with all the most money in the world.

And unfortunately, he died, you know, a sick man. So, you know, one of the things, too, you know, is, you know, on average, and now this is maybe a little more pertain to Florida, but the average cost of a health insurance plan. So let's say, you know, a family of four or even, you know, a newlywed couple just starting out who's going to need coverage. What are some of those prices that we're seeing here in Florida and some of the coverages?

Not necessarily the coverages, but the price for a, you know, a standard plan that's going to get you the basics. For sure. So like retail prices on a lot of plans. This is a good analogy.

If you want the retail price of a regular plan, whatever your age is, let's just say 30, 30 year old, right? If you wanted to find a plan that was a pretty decent plan, not something that's cheap, but if you want to find a decent plan, just multiply your age by about 10, okay? So you're 56, right? Times up by 10 and your plans, usually most plans would be just around five, $600 a month.

Okay. For me, you know, I'm in my twenties right now. So times my age, 21 times it by 10, if I could find a plan around 210 bucks, that's a pretty decent plan. That's an analogy that I use.

No, that's a great analogy. You know, so just to repeat that, you know, you take your age and you multiply it by 10 and that is going to be, you know, around what your health insurance coverage a month should cost. And those are retail price tags too. So like if, let's just say, and that's what happened to health advisors here, because I know how to cut that times 10, maybe down to, you know, cut 50 bucks off that or cut a hundred bucks or a couple thousand on some cases, you know, cutting that cost down, especially if you're on Cobra or something, that's my job.

You know, some people, you know, they're lower income, you know, you mentioned, you know, people are struggling at the gas station, right? Are you struggling at the grocery store buying groceries? You know, if you're, you know, if you're self-employed or, you know, you're thinking, hey, I'm over paying for this right now, I don't think I can keep it in my budget. Literally there's stuff out there that you can utilize certain tax codes and that's the same.

That's why you have me, you know, be able to give you those kinds of advice and really try to point you in the right direction. You know, it's kind of, it's no different than, you know, Thomas, you, for example, you know, picking the portfolios that would work with a client's expectations, no different than me. Tell me, you know, what are you trying to solve and we'll, we'll try to figure out what's going to be the best option for them, you know? And I don't, I don't think Michael, that most people realize that they can shop their, you know, their employer plans.

I think, you know, most people think, well, I've got an employer and you'd probably agree that most employer plans are, are probably going to be most beneficial because they're group plans. And they're going to have, you know, from a premium standpoint probably lower premiums because of the group policies. But you know, one of the things too, you know, you mentioned Cobra and, you know, there's going to be, unfortunately if we do go into a recession, which a lot of the economists are talking about, you know, there's going to be layoffs. And so talk about Cobra a little bit and how that works.

And, you know, people, you know, Cobra is expensive. And so people that are coming out of the, those employer plans, you know, generally will have Cobra, you know, if they know that they're, you know, they've got two weeks because they've got that letter, you know, of termination, when should they reach out to you? And you know, should they go into Cobra or just say, hey, look, let me give Michael a call and I don't have to pay that, that huge premium of Cobra. Tell me how that works.

For sure. And this goes back to kind of your mindset when it comes to certain things. There's really two things that go through your brain. Number one, I think that, you know, the business might, you know, fire me or, you know, I might have to move positions just to protect my future.

You can be proactive with certain things and you can be reactive with certain things. I've encouraged, at least with health insurance, to always be proactive, at least know what the options are going to be out there. So, A, if by the first of the year, you know, this is December 2nd today, by the first of the year, I have a good idea and prepare for this type of things because some plans can take upwards of two or three weeks to get approved on some things. To be proactive, plan ahead, especially if you're thinking, hey, you know, I might get taken off of my important plan or, hey, you know what, I just got fired last week.

I need to find a new plan by January 1st, you know, that's how long they're going to keep me on. Don't get me wrong, COBRA is an amazing coverage plan, if you can afford it. It gives you the same coverage, it's super easy, you just roll it over to the COBRA plan. Same exact plan, same exact doctors that you can go to, same type of co-pays when you go to the pharmacy.

Everything's going to be the exact same, the only difference is going to be the cost. And that cost can be three, four times as much as you're paying right now and you have no idea, you know. Yeah, and Michael, you know, so with that, you know, is there any health insurances that are free in the state of Florida? Like, I mean, obviously, you know, someone who has no money can go on Medicaid and apply for that.

But is there any other place, like, you know, if they, let's say, just don't have a lot of money, you know, is there income limits and things like that for certain coverages? And maybe we could talk a little bit about that on how that works as far as incomes and, you know, and health coverages because, you know, once again, we've got a big demographic of listeners from, you know, people who are just starting out to, you know, people who are well off and in retirement. Yeah, people make it $20,000 versus, you know, $2 million a year, right? There's those spectrums.

One misconception for a lot of Americans out there is going to, I'm going to work off both sides. Let's just first start with the easy side, people that are making way too much money where they can almost self-insure, right? If you make, there's no reason why you make so much money that insurances won't offer you coverage. That is completely bogus, if anybody's told you that.

You can always qualify for a certain plan and be able to get the coverage that you need without having to overpay. Sometimes when you get to that spectrum of income, you don't really realize the difference between a $2,000 bill every month versus a $1,100 bill every month, you know, it just kind of gets washed up and over things. Now, that's my, that's the, you know, I guess more expensive on that kind of spectrum of things. Now, let's talk about what's going to be most relevant to a lot of Americans out there.

It's going to be anywhere from around that $20,000 to $70,000 range of income. If you're claiming that type of income, especially if you have a family and you do not get employer coverage offer to, there's going to be a lot of things that you can utilize. Now, the cost of things is really dependent on a couple of things, where you're located, how many people are in the family, how old everybody's in the family, and obviously what kind of income you're expected to bring in gross-wise throughout the year. You know, a lot of self-employed people, they write off a lot on their taxes, right?

And when they write off a lot on their taxes, they're showing a lot less net income that gets taxed. But for insurance, at least, it's going to be the gross income. I know it's a little bit more technical than what's needed, but the gross income is usually what they're going to work out. It's important, and we're going to have our CPA on here in the next week or two, trying to get them on.

And, you know, we're going to talk everything taxes, and certainly, you know, that health insurance component is definitely an important part. It's tax write-off, too. You know, if you're a business owner, self-employed, you're not writing off your insurance, let me find you a plan that can. You know, let me see if your plan can even get written off on your taxes.

You know, that's why, at least, you know, when it comes to everybody's situation, some people qualify for free plans. I'm not going to beat around the bush. Some people qualify, you know, just based off of their disability, like they hurt their back. They qualify for Medicaid.

No, don't think that, hey, just because I'm low income, I need to go apply for Medicaid. Because for most cases, you don't get accepted. It's a pretty rigorous process trying to go through Medicaid. And the ability to find the right doctors, the most qualified doctors, that's what a lot of people don't think about.

You know, hey, I could go to some doctor on this free health insurance plan. Somebody offered you a free, you know, pair of, you know, flip-flops. Are you going to remember where they're at in a year from now? Probably not, you know.

But if you go buy those $300, $400, you know, I guess, python, leather, snake, you know, snake skin type things, you're going to know exactly where they're at at all times. And Michael, one other thing, too, you know, and I always joke with my clients that, you know, I'm only married to one person, and that's my wife, and I'm not married to any investment. I imagine, like yourself, you're, you know, probably not any particular health care, you know, company that, you know, it's based on what's best for the client, you know, to choose from. And, you know, so how do they go about choosing what, you know, what health care provider is better for?

And, you know, we're bombarded with ads from all the different insurance providers, you know. So how is that decision process made of what's best for the client, whether it be, you know, and I don't like to name providers or certain products, but, you know, some of the bigger ones that are out there. And, you know, how do we decide, you know, which is best and what company is best to go with? How does that process work?

Yeah, so that's an excellent question. There's going to be one thing that really matters, okay, are your doctors in network? Really, I mean, it's, the name is pretty irrelevant, but we want to make sure that your doctors are in network, the ones that you go to on a daily basis. Gotcha.

If you go see a cardiologist, I want to make sure that doctor's in network. So two, there's going to be kind of three branches of what all carriers use. So if that is, if that's going to be an HMO plan, an EPO plan, or a PTO plan, now EPOs are very limited on your doctors. And when it comes to the doctors that you do utilize out there, it's really important to get a large range, because if you needed to go get that, you know, let's just say eye surgery, where they had to, you know, take your, you know, I had to do LASIK, you know, do you want to go to some schmo down the street that's been doing the practice for a year and a half?

Or do you want to go to the finest doctor out there and be able to get 50 years of experience on yourself, right? We only have one life, as he said, Steve Jobs, right? Steve Jobs, you know, has had all the, you know, money in the world, it seems like at that time. But you know what, still health is wealth at the end of the day, health is wealth.

Yeah, if you don't have it, you don't have anything. You mentioned, you know, some of these acronyms, EPO, PPO, HMO, not to dive too far down the rabbit hole there, but just, you know, maybe you could explain to our listeners the difference between an HMO, a PPO, and an EPO, and what other, something O that maybe we're not familiar with. Yeah, so PPOs are going to be the strongest out there. You really have the opportunity to go to any doctor anywhere in the country.

You don't have, it doesn't just work for just Florida, but you can go anywhere in the country. Those are PPOs. Now HMOs, HMOs are only going to work in where you reside at. So if you live in Ohio, only works in Ohio.

Only live in Florida, you only can use it in Florida, unless it's life threatening. If you're dying on a stretcher in California, basically they're going to be able to take you, okay. But HMOs, you have a really limited network of doctors, you usually can use it anywhere in the state. The only difference though is if you want to go see a specialist, let's just say my skin was breaking out with acne and I wanted to go see a dermatologist, I would have to go to my regular doctor, my PCP, primary care physician, and get a referral to that doctor.

If my shoulder was hurting and I thought, man, this might be a precursor for a stroke, I would have to go to my main doctor and they would have to refer me out to a cardiologist. You see where a problem can be at, you know, with HMOs. Sometimes it can take a week. You know, who knows what will happen.

Now EPOs. Oh, sorry. That's okay. No, we've seen it take longer than that for that referral process.

Anybody who's had to go through it, I think knows that, you know, it can sometimes, like you said, be weeks on end before you're able to get into somebody. And I'm sorry, you were going to go ahead and talk about a PP, the EPO. Yeah. So elephant for E, but yeah, EPOs are like what you got about 50 mile radius of what doctors you can choose from.

You don't need to get referrals to go to these doctors. It's just that you're going to have so limited of doctors to choose from. You could probably only go to maybe one or two, or if you live out in the country, you might only have one doctor that you can go to for your cardiology and you've got to put all your trust on that doctor and make sure that he's doing his job. You know, it's not something I would ever recommend EPOs, quite frankly, they're cheap.

They're a little bit less expensive, but when it comes to dire situations, you're going to want to have the finest care. Those are going to be the three main ways, PPOs, HMOs, and then EPOs, EPOs I would recommend over everything. And then just one quick last question, because a lot of the listeners, they may go on cruises and travel abroad. How does that work internationally with some of these plans?

And like I said, not to go too far with specifics, but let's say I decided to take the family vacation to Europe, London, or Italy, and I get sick over there, or any of my HMO, PPOs, or anything like that, what do I need to make sure that I get coverage? Yeah, so that's a really good question. So usually with employer plans, they're going to offer what's called international insurance. International insurance is something that you just pay for, for however long you're going to be on vacation for.

Employer plans usually offer that, the ones you get through your job. Now, if you're on your own and you got to figure out how can I get insurance when I'm going on my two-week vacation to Spain, those plans out there are going to be what are under big branch companies, and I can just help you out with that super easy, doesn't cost a whole lot of money either, really just kind of protects you because, I mean, every country does it different. For example, Canada, Canada has free health coverage up there, but you have to wait a super long time to get into a doctor. Every country is differently, but if you get travel insurance, you should not have to worry about that, to answer your question.

Gotcha. No, that's great. So if someone, just to repeat it, so if someone has an employer plan and they're going to travel internationally, they may want to contact their human resource department to get international coverage is set. That's super important.

Even, like you said, going up into Canada, our neighbors to the north there, you want to make sure that you have some coverage there. So Michael, is there anything else? We tried to touch a couple of different points across the board, or is there anything I always like to say, is there anything that we missed or that you could think of to add here at the end that maybe we didn't touch upon? Yeah.

So like when it comes to health insurance, at least it's going to be one of those things. It's like any other thing it's from like in mortgage for your house, it's having a financial advisor or any kind of advisor for that matter. You know, health insurance is a very interesting place. So if you are self-employed out there, you know, a small business owner and you do wonder, Hey, can I qualify for something?

Have I not, you know, I don't have coverage right now because I just think it's too expensive. If you think that right now, you know, give an opportunity and you're just give me a call and I can be able to express the opportunity out to you and say, Hey, this is going to be their options. You know, I don't get paid by the hour like lawyers do, you know, I get, I just be able to assist you on which plan you decide to go with. And then that's when we can actually make a decision, right?

Yeah. That's a great point. That's a great point you brought up. Just, you know, I'd like to kind of stop you there for a second, because that was probably a question someone would ask.

It would be, you know, how do you get paid? Yeah. You know, am I paying you out of pocket or are you getting paid by the insurance company? How does that work?

Yeah. So basically whatever insurance company we decide to go with, you just get a referral off of that. Pretty self-explanatory. And then I come with the policy as well.

So that's where a lot of people get misconceptive. Okay. I'm having some troubles with my insurance and just call the number on the back. You know, no, I want you to say to my phone, call me up, but I can give you the best opportunity to save money on your health coverage because guys, we're going to be around the bush.

It gets expensive sometimes for a lot of Americans. Yeah, for sure. And so, so you become their dedicated health advisor. So that's great.

Because I think, you know, once again, people that have called that 800 number, 888 number on the back, it seems like it could be an eternity and can be frustrating. And so you can kind of help make sense of some of the noise and direct them in the right places where, where they need to go. Yeah. Of course.

You know, like, Hey, you know, is this doctor network or, you know, I just, I just cut my finger open. You know, I got a call like that about three months ago. I was like, Oh yeah, let me check real quick. Just popped on my computer.

Boom. Right there. Right there. I, I think like for a lot of America, for a lot of people, the best way to reach me at is going to be obviously my social media.

I, I run it's NP health insurance. I got tons of good Google reviews on my page. No, I got my office down here in North Miami, but I actually just relocated up here to Deerfield beach. But I basically have all my contact information.

You can feel free to reach out to me via there. We're going to have all that on the YouTube and the description. We'll have all Michael's you know, contact information you know, links to the social media. We'll have all that located in, inside the description.

And and Michael, what, you know, just for our listeners that maybe aren't watching this on YouTube or listening to it how can they find you on Instagram and Facebook? Yeah, it's going to be NP health insurance. Or if you're going to, if you're in your, if it's your desk right now, it's just 612-965-2432. That is my number.

You just call me up, I'll be right down in there or text me. That those are the main reasons to reach me. But NP health insurance, if you look that up on Google, you'll find me again, my name is Michael freeze, you know, kind of like, you know, freezy pop, or, you know, a lot of these other names, but you know, that's the main way to reach me. Perfect.

Well, Michael, I appreciate you coming on the show today. It's been a wealth of information. You know, I learned some things today, hopefully our listeners have learned some things today. And we'd love to have you back here.

I know open enrollment is still going, going full steam ahead. And I appreciate you taking time today and coming on the show and we'll see you here again real soon. Thank you so much for the opportunity. It was great talking with you guys and I appreciate your time.

You know, thank you so much for this opportunity. Perfect. Thanks again. Well, I'd like to thank Michael again for being on the show and what a wealth of information that was.

And, you know, please reach out to Michael, you know, straight ahead for any questions regards to health insurance. And you know, it's just such a wealth of knowledge for such a young man to have such a great wealth of knowledge in the healthcare industry and everything that is related to that. His links are on the YouTube channel in the description. And he did mention his Instagram and his telephone number.

So once again, please feel free to reach out to him directly. Well, I hope you have enjoyed today's podcast. Have a great weekend. I look forward to next week and what it brings.

And we will see everyone next week. Thank you and I am out. Thank you for listening to the 1715 Treasure Coast Financial Wellness Podcast. If you enjoyed this episode, share it with a friend who might like it.

And please rate, comment and subscribe. If you'd like to contact us, find more information. Or if you'd like to keep up with us on Facebook, Instagram, Twitter or LinkedIn, check out our website at www.tdwealth.net. Have a great day and we'll talk to you next week.

Bye.