Health Insurance Doesn't Have To Suck

About Health Insurance Doesn't Have To Suck

Health insurance doesn’t have to be confusing. Hosted by Brian Calvert, owner of Business Health Market, Health Insurance Doesn’t Have to Suck is a short, practical podcast designed to create clarity around health insurance for business owners, employees, individuals, and families. Each episode breaks down complex topics like health insurance, employee benefits, deductibles, premiums, copays, ACA Marketplace plans, healthcare costs, and coverage options into simple, easy-to-understand conversations. Whether you’re choosing a health plan, managing employee benefits, or simply trying to understand how health insurance really works, you’ll gain the knowledge and confidence to make better decisions. This podcast isn’t about selling insurance—it’s about helping people understand the system so they can navigate it with confidence. If you’ve ever felt overwhelmed by health insurance, you’re in the right place. For additional insights, subscribe to Clarity Notes, Brian’s companion newsletter, and learn more at https://www.businesshealthmarket.com (https://www.businesshealthmarket.com/).

Publisher

Brian

Category

business · education

Language

en

Explicit

No

First episode

1 Jul 2026

Latest episode

16 Oct 2026

Latest episodes

7 episodes in the feed.

1. 

   16 Oct 2026

   How Employers Really Think About Health Benefits

   If you get health insurance through work, you usually see the final result: the plan, your payroll deduction, your deductible, and whatever changed this year. What you don't see is the conversation that happened before those decisions were made. In this episode, Brian explains how employers think about health benefits, from premium contributions and dependent coverage to annual renewals, plan design, recruiting, retention, and managing rising costs. You'll also learn why your employer's contr...

2. 

   17 Sept 2026

   How to Actually Choose a Health Insurance Plan

   Choosing a health insurance plan shouldn’t come down to picking the lowest premium or the smallest deductible. In this episode of Health Insurance Doesn’t Have to Suck, Brian Calvert brings together everything we’ve covered so far and gives you a practical framework for actually choosing a health plan. We’ll start with four questions you should answer before you even compare plans: • How do you actually use healthcare? • Do you take regular medications? • What kind of financial cushion do you...

3. 

   7 Sept 2026

   Are You Overpaying at the Pharmacy?

   Pharmacy costs can vary dramatically depending on your health insurance plan, formulary, medication tier, and how your prescription benefits are structured. In this episode of Health Insurance Doesn’t Have to Suck, Brian Calvert breaks down what’s happening behind the price you see at the pharmacy counter — and why understanding your prescription drug coverage can make a meaningful difference in what you pay. In this episode: • What drives prescription drug costs • Why the same medication can...

4. 

   14 Aug 2026

   Why Deductibles Keep Getting Higher

   High deductibles have become the norm—but why? In this episode, Brian Calvert explains why deductibles have increased over the years and what that means for individuals, families, and business owners. Discover the relationship between premiums and deductibles, how risk is shared between you and the insurance company, and how to evaluate the trade-offs when choosing a health plan. In this episode: • Why deductibles have increased • The relationship between premiums and deductibles • Understand...

5. 

   30 Jul 2026

   Why Health Insurance Premiums Keep Going Up

   Why do health insurance premiums increase every year? In this episode, Brian Calvert explains what’s really driving rising health insurance costs and why premium increases aren’t as random as they seem. Learn how insurance companies calculate premiums, how risk pools work, and why understanding these factors can help you make better health insurance decisions. In this episode: • Why premiums increase • How insurance companies price risk • What affects healthcare costs • What employers and i...

6. 

   16 Jul 2026

   The 5 Health Insurance Terms Everyone Should Know

   Health insurance doesn't have to be complicated. In this episode, Brian Calvert explains the five health insurance terms that every individual, family, and business owner should understand before choosing a health plan. Learn what premiums, deductibles, copays, coinsurance, and out-of-pocket maximums actually mean—and how they all work together to determine what you'll pay for healthcare. In this episode: • Premiums explained • Deductibles explained • Copays vs. coinsurance • What your max ou...

7. 

   1 Jul 2026

   Why Health Insurance Feels So Confusing (And How to Make Sense of It)

   Why does health insurance feel so confusing? In the first episode of Health Insurance Doesn’t Have to Suck, Brian Calvert explains why the biggest challenge isn’t just rising healthcare costs—it’s a lack of clarity. You’ll learn why understanding how health insurance works is the first step toward making better decisions for yourself, your family, or your business. Brian introduces the core concept that every health insurance plan is really a risk management decision and explains how underst...

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Guest appearances

Does not typically book guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.