Two health plans sat fifty dollars apart in monthly premium. One covered forty percent of an inpatient stay, the other seventy five percent. Dr. Heather Signorelli walks through the exact process she used to shop for her own team's health insurance this year, and the mistakes worth skipping if you are doing this too. • Where we started looking: QuickBooks and brokers got us close to eighty plan options, but neither felt flexible or fast to compare on our own. • Finding a third way: a platform called Thatch, built around an ICHRA (individual coverage health reimbursement arrangement) model. • The trade-offs: how a fifty dollar premium gap can hide a thirty five point coinsurance swing, and why network type (HMO/EPO vs. PPO) matters as much as price. • Cost-sharing plans: why healthcare sharing ministries are not regulated insurance, and the questions to ask before joining one. • Catastrophic coverage and HSAs: pairing lower routine coverage with real protection against the worst case. • Business or personal: why the tax treatment question belongs to your CPA, not a guess. Three Actions This Week • Decide what you are actually protecting against before you compare a single plan. • Understand whether you are choosing a group plan or an allowance-based model like an ICHRA. • Get your CPA on the phone before deciding business vs. personal. Episode Breakdown Same chapter list as the YouTube description above (timestamps to be added after recording). Resources • Free second opinion / Metrics Audit VSL (primary): eligibility.natrevmd.com/metrics-audit-natrevmd (redacted • Practice Revenue Leak Scorecard (secondary): eligibility.natrevmd.com/nrm-revenue-scorecard-v3 (redacted