Tis the season for… open enrollment! Dennis and Stephanie dive into the thrilling, gut-wrenching world of health insurance like it’s the season finale of a reality show you didn’t know you were starring in. From why every employer seems to pick the most random renewal dates, to why your “perfect plan” doesn’t exist (sorry), they break down the madness with humor, sarcasm, and a sprinkle of “I told you so.”

You’ll laugh, you’ll cry, you’ll probably check your deductible halfway through. Whether you’re an employee wondering why your premiums rival your mortgage, or a business owner trying to keep your sanity (and your staff), this episode will make you feel slightly better about it all.

Call it therapy, call it education — just don’t call your agent without listening first.

Chapters:

00:00 - We Switched Seats (and Immediately Regretted It)

02:00 - Why Is Open Enrollment Always When You’re Broke?

03:40 - The Government Picked These Dates for Fun

05:20 - January 1st: New Year, Same Deductible

07:00 - Health Insurance: More Complicated Than Dating Apps

09:20 - The Myth of the “Perfect Plan” (Spoiler: It Doesn’t Exist)

10:05 - When Your Premium Costs More Than Your Mortgage

12:00 - Agents Who Send You 100-Page PDFs and Call It “Service”

14:00 - “My Kid Turned 26 — Now I’m Poorer, Somehow”

16:00 - The 2026 Contribution Crisis (a.k.a. Why Everything Costs More)

18:30 - Call Your Agent (Unless It’s Dennis — He’s Busy)

21:00 - Politicians, Subsidies, and Other Scary Words

22:40 - Accountants Are Terrifying (Ben Affleck Approved)

23:30 - Shameless Plug and Final Thoughts

Would you like me to also write the YouTube description and SEO tags version (with hashtags, tone, and formatting for upload)? That version typically helps boost discoverability and click-throughs.

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Dennis and Stephanie take the show live—and it gets delightfully weird, wonderfully useful, and wildly honest. From “can you insure a dominatrix?” (spoiler: yes) to small-biz health plans that actually make sense, they bust clickbait myths, decode the 60–65 pre-Medicare maze, and share real ways to cut premiums without upping your risk. Expect shrinkflation in policies, deductible-reimbursement hacks, wind/hail payouts that don’t require filing a claim, and the maddening truth about medical billing vs. cash pay. It’s practical help wrapped in humor—with one legendary six-banana intermission.

Contact: contact@IGWPodcast.com

• 817-753-0093

Hosts: Dennis & Stephanie

Chapters

00:00:00 - Lights Up, Mics Hot

00:01:52 - Audience Q: “Fake Body Parts?”

00:03:35 - So… Can You Insure That?

00:04:38 - From Corporate to Startup: Small-Biz Health 101

00:07:01 - Taxes & Contributions Without Tears

00:08:26 - Clickbait & Commission Myths

00:11:00 - The 60–65 “Purgatory” Window

00:14:05 - Insurance Shrinkflation Is Real

00:15:28 - Grocery Prices & Premiums

00:18:12 - The Six-Banana Intermission

00:20:30 - When Your Doc Bills Like Crazy

00:28:12 - Pay Less, Risk Less: Deductible Reimbursement

00:32:40 - Hail Yes: Parametric Payouts

00:33:47 - Rapid-Fire Q&A & Wrap

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Dennis brings the pop quiz, Stephanie brings the receipts, and together they turn “wait, is this even insurance?” into your new favorite game show. They spar over health sharing vs. traditional plans, why “contribution” isn’t just a bougie word for premium, how faith-based commitments actually work, and when pre-existing conditions really are… pre-existing. Stephanie even vows to ditch her employer plan (spicy), Dennis wrestles with “appendectomy” (adorable), and somehow they map out how small businesses can save real money without summoning an HR demon. If you’ve wondered whether a $400 stipend can cover a whole family, why maternity waits a year, or whether your weekly “mom juice” voids coverage (it depends, breathe), this episode is wild, witty, and weirdly practical.

Questions or snark? contact@IGWpodcast.com

• 817-753-0093.

00:00 - Pop Quiz, Hotshot: Health Sharing 101

00:01 - Stephanie’s Confession: I’m Breaking Up with My Plan

00:03 - Not Insurance on Purpose (And Why That’s Good)

00:05 - Deductible-ish: What “Annual Household Portion” Really Means

00:08 - ACA Flashback and the Penalty Loophole

00:09 - Contributions, Not Premiums

00:10 - Networks? Kinda. Open Access? Yep.

00:11 - Pre-Existing: What Actually Triggers a “No”

00:13 - Lifestyle Clauses: Tobacco, Tequila, Truth

00:15 - The Real Reason Families Switch: Cost

00:18 - Strict vs. Sane: Do No-Alcohol Plans Save Money?

00:19 - Community Share: A Million One-Dollar Lifelines

00:20 - Plot Twist: A Homeowners “Sharing” Program?!

00:22 - What’s Not Shared: Keep Your Dental Cleanings

00:22 - Baby on Board: Why Maternity Waits 12 Months

00:23 - Claims By Any Other Name: “Sharing Requests”

00:26 - Law of Large Numbers, But Fun

00:27 - Group Hack: Mixing Sharing with Traditional

00:30 - Employer Math That Slaps: $400 That Works

00:32 - Education Beats Confusion

00:33 - Faith Statements, No Hoops

00:35 - HR Corner Case Solved and the Mic Drop Outro

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093