Insurance & Benefits Writer
Former health insurance broker
Sarah Chen spent six years as a licensed health insurance broker before moving into financial education, and she has sat across the kitchen table from hundreds of families during open enrollment. She knows how confusing a benefits packet can be, and how much money people leave behind when they pick the wrong plan out of sheer overwhelm.
Her path into insurance was personal. When her father was diagnosed with a chronic condition, the family nearly chose a plan that would have left them paying thousands out of pocket. A patient broker walked them through the math and saved them roughly $9,000 that year. Sarah decided she wanted to do that for other families, and a few years later she had her own book of clients.
At FundingPoint, Sarah writes about health insurance, life insurance, and the benefits decisions that quietly shape a household budget. She is a stickler for reading the fine print, and she has a gift for turning deductibles, coinsurance, and HSAs into language a normal person can actually act on.
A plain-English breakdown of the three most common health insurance plan types, with real cost comparisons to help you pick the right one during open enrollment.
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