ER Doc Advisor - Financial Planning & Taxes for Emergency Physicians

Ep 40: Health Insurance Decisions for 2026: A MedSpa Owner’s Guide to Coverage, Costs, and Team Benefits

Between rising premiums and constant uncertainty in healthcare regulation — not to mention the back-and-forth around employer coverage requirements — a lot of MedSpa owners are finding themselves rethinking what “good coverage” actually means, both for themselves and for their team.

So in today’s episode, we’re unpacking what to look for, what to avoid, and how to make sure your plan fits both your personal health and your business budget going into 2026.

WHAT YOU’LL LEARN:

  • The Open Enrollment dates and what’s changing for 2026 individual and small-group plans.
  • How rising premiums, subsidies, and tax credits may impact your personal coverage.
  • What to review before choosing a health plan.
  • The real cost difference between PPOs, HMOs, high-deductible plans, and HSAs.
  • What MedSpa owners should consider before offering (or renewing) employee coverage.
  • The pros, cons, and risks of health-share plans (and why they’re not true insurance).
  • How HSAs and FSAs work—and which offers the most long-term benefits.

Tags:

medspa owner, health insurance 2026, open enrollment, marketplace plans, small-group coverage, PPO vs HMO, high deductible plans, HSA, FSA, premium tax credits, employee benefits, healthcare costs, medical budgeting, financial planning, medspa finances

Share The Love:

If you like MedSpa Money Matters

Never miss an episode by subscribing via Apple Podcasts, Spotify, Amazon Music, or by RSS!