Tuesday, December 16, 2025

How To Choose Well being Insurance coverage — Within the Worst Yr Ever

Notice: “An Arm and a Leg” makes use of speech-recognition software program to generate transcripts, which can comprise errors. Please use the transcript as a instrument however verify the corresponding audio earlier than quoting the podcast.

Dan internet hosting: Hey there. As we began writing up this episode, the U.S. authorities was beginning to re-open, after the longest shutdown ever. ?Eight Democratic Senators had made a deal.

Information anchor: However this deal has Democrats divided. It doesn’t embody an extension for Obamacare subsidies, which is what the social gathering was holding out for.

Dan internet hosting: And other people have been pissed. Right here’s a pair examples from our social-media feeds… 

TikTok person hunteralexanderpowell: eight Democrats caved and betrayed the American folks tonight

TikTok person shaneechchi: The Democrats caved. The Democrats caved! What? I’ve tried to relax so many occasions to file this video, however Senate Democrats…

Dan internet hosting: These Democrats did extract one sliver of a concession: A promise from Republican Senate Majority Chief John Thune to schedule a vote on extending the subsidies for early December. Which plenty of folks discovered… unsatisfying. Yet another from our feed right here. There’s some sturdy language on this one: 

TikTok person 2rawtooreel: After 40 days of combating for our subsidies, we obtained a pinky promise. What a intestine punch. The eight Dems caved after which they fucked our households. And that’s the way in which all of them turned the bitch-ass bunch. The bitch-ass bunch.

Dan internet hosting: Yeah. Information experiences just about all say: That vote will fail.

However even when they’re mistaken, even when some sudden deal will get made, anticipate nightmares. Logistical nightmares. Tech nightmares. Julie Appleby is a reporter with our buddies at KFF Well being Information.

She talked to people who run the Obamacare exchanges in a bunch of states and requested them: Hey, if Congress makes a deal, what occurs subsequent?

They have been like: Nicely, we’d need to take our web sites right down to plug within the new numbers. 

Julie Appleby: And that might take possibly as much as per week.

Dan: Yeah, per week. Julie says that took her without warning.

Julie Appleby: I assume I mistakenly assumed, naively assumed that, oh, it’d be fairly simple. Let’s simply, , program these numbers in. It’d take a pair hours or no matter, however no, it’s not only a easy let’s throw a swap and alter all these things…

Dan internet hosting: And there’s a ticking clock: In order for you an Obamacare plan that begins protecting you on January first, it’s a must to enroll by… December 15. And once more, IF there’s a vote to do any of this, it’s not alleged to occur till December. Tick-tock… 

So look: No person can predict the long run, however in case you’re Obamacare for 2026: Don’t depend on these additional subsidies being there.

In the meantime, premiums are going up — each for Obamacare plans and for employer-based insurance coverage.

We’re gonna spend the remainder of this episode : OK, now what? It’s the worst ever 12 months to decide on insurance coverage. What do you do? We’ll hear from a listener who wrote to us asking for recommendation, and we’ll take a look at what subsequent 12 months seems to be like for ourselves — for me and my colleague Emily Pisacreta. 

There are people who’ve it worse than we do. Tens of millions of individuals simply received’t have the ability to afford insurance coverage in any respect for subsequent 12 months. However our tales give a sketch, somewhat pattern — and a few classes and instruments that I hope will turn out to be useful for anybody asking the identical questions we’re.

Like quite a lot of our tales — like our complete beat– there’s no pleased ending right here. This totally sucks.

We’re speaking about selecting the LEAST crappy choice right here. Which, even when all of the choices are crap, is STILL WORTH DOING. As a result of some choices are a lot crappier than others. However finding out which of them means studying to learn some fantastic print. So let’s get to it.

That is An Arm and a Leg, a present about why well being care prices so freaking a lot, and what we will possibly do about it. I’m Dan Weissmann. I’m a reporter, and I like a problem. So the job we’ve chosen right here is to take one of the crucial enraging, terrifying, miserable components of American life, and convey you a present that’s entertaining, empowering, and helpful.

Let’s decide up the place we left off a few months in the past: With this present’s senior producer, Emily Pisacreta. 

Dan internet hosting: Hey Emily.

Emily internet hosting: Hey Dan.

Dan internet hosting: So, let’s recap… 

Emily internet hosting: Yeah, so earlier than… I had insurance coverage from one other part-time job. However that job ended over the summer time.

Dan internet hosting: And An Arm and a Leg has all the time been so tiny, I by no means considered budgeting for anyone else’s medical health insurance.

Emily internet hosting: So I needed to search for Obamacare. And I ended up getting assist from the very best individual: Elisabeth Benjamin. She’s Vice President of Well being Initiatives on the Group Service Society of New York. 

Dan internet hosting: She has been one in all our go-to sources for years–  as a result of her fights to guard New Yorkers from medical debt are epic.

Emily internet hosting : And because it occurs, she’s additionally a navigator for Obamacare — she helps folks select and enroll. She invited me over to have a look at my choices.

Elisabeth Benjamin: Okay, so prepared?…

Emily internet hosting: The excellent news: I certified for a subsidy.

The unhealthy information: That was gonna come to a screeching halt come January. She instructed we meet once more in November to have a look at my 2026 choices.

So, final week, we did– only a couple days after these Senate Democrats had folded on the improved subsidies. 

Elisabeth Benjamin: It’s fairly clear that the improved premium tax credit are gonna sundown. Proper?

Emily: Yeah.

Elisabeth Benjamin: Yeah. Which is actually horrible for sufferers.

Emily: Are you shocked or did you kind of see the writing on the wall?

Elisabeth Benjamin: I discover understanding Congress and the federal authorities and what they’re gonna do actually difficult. I’d’ve thought folks would’ve needed to do one thing, nevertheless it’s, it’s laborious when folks aren’t getting SNAP advantages and planes aren’t flying. And for me I’d’ve thought that they might’ve been capable of provide you with a compromise, however they didn’t. So…

Emily: Yeah. 

Elisabeth Benjamin: So, , I don’t know. All proper. Lemme present you your factor. 

Emily: You wanna share your display? 

Elisabeth Benjamin: Okay. Um, so right here’s your account. Right here’s your eligibility. , that is what you might have proper now. Your tax credit score is $385 a month. Your revenue, if it’s unchanged, means you may be eligible for no tax credit score subsequent 12 months.

Emily internet hosting: So we kinda knew this was coming. I make somewhat greater than 400 p.c of the federal poverty stage, which implies I don’t qualify for that enhanced premium tax credit score anymore. 

Elisabeth Benjamin: You’re being impacted by the expiration, like you’re going from. Spending no matter it was, 400, $400 a month to $800 a month.

Emily internet hosting: Really it’s going from $496 to $867. And all this for what’s known as a Silver Plan. , not platinum, not gold. 

Elisabeth Benjamin: You’re not speaking about Cadillac protection right here. You will have an enormous deductible.

Emily internet hosting: Yeah… that’s $2500 earlier than I can afford to see a physician in individual. A physician who’s in-network. In an itty bitty community. I kinda puzzled what I’d get if I leveled up. 

Elisabeth Benjamin: So that you wanna do the most affordable gold or like a mid value

Emily: Yeah. Let’s simply see what the most affordable golds seem like.

Elisabeth Benjamin: So the most affordable is 1100. $1,100. In order that’s loads. 

Emily internet hosting: Yeah in order that was out of the query. And we checked out a barely cheaper silver plan, too. However the deductible was loads increased and the ER protection was pitiful.

Elisabeth Benjamin: Simply strolling into an emergency room in New York Metropolis is like $10,000. So that you’d be mainly paying your complete emergency room go to. Whereas proper now you might have actual safety, you solely have $500…

Emily internet hosting: And anyway for all its holes, my present plan — like of those New York state market plans — does even have an enormous benefit over each different medical health insurance plan I’ve ever had. Zero greenback copays for my absolute do or die stuff — my insulin and my steady glucose monitor.

Dan internet hosting: Yeah. That’s only one means the place you reside actually issues.

Emily internet hosting: Yeah and I’m by no means leaving, I’m just like the worst sort of New York chauvinist. However the price of dwelling right here means this premium enhance is gonna actually harm. I’m gonna want one other job.

Dan internet hosting: Yeah, however I wanna maintain you on this one. And we’re engaged on a plan there. We’ll come again to it later. 

Emily internet hosting: Mmhm.

Dan internet hosting: In the meantime, you’ve given us a snapshot of Obamacare.

Obamacare plans aren’t the one place the place prices are going up. In keeping with a survey of 1,700 companies, the speed hikes on employer plans are the most important in 15 years.

And who’s on an employer plan? My household. My spouse and I each have small little companies, and we’ve been capable of purchase small-group protection for ourselves that means — which implies we do get to select from plans that aren’t on the Obamacare trade. 

So, right here’s somewhat heartwarming scene from my home — me displaying my spouse Devorah what our medical health insurance goes to value for subsequent 12 months.

Devo: All proper.

Dan: Ensure we’re recording. Let’s see. Yep. Right here we go. Alright, so let me simply present you what I’ve been . 

Devo: Alright.

Dan:  And remember that it tremendous sucks. 

Devo: Alright.

Dan internet hosting: And right here’s what I confirmed her: Our insurance coverage plan goes up by 500 {dollars} a month in January. Six thousand {dollars} a 12 months. 

Devo: I’m not allowed to say unhealthy phrases, proper? 

Dan: You’re completely allowed to say, are you kidding me? Dangerous phrases are very applicable. 

Devo: Dangerous phrases are forming within the thought bubble over my head. 

Dan: You may say all of them you need 

Devo: Okay. Fuck. 

Dan internet hosting: Completely truthful. The brand new complete for our plan is terrifying.. And — for causes I’ll get to — that plan nonetheless seems to be like our greatest choice.

In the meantime, we’d heard from a listener — Jess lives in Indiana. She requested us to simply use her first title, to guard her household’s privateness.

And he or she wrote to ask: Have you ever ever achieved a present about whether or not having medical health insurance is even value it? A wonderfully comprehensible query. We talked in early November.

Jess: Does it ever make sense to simply, in case you really feel comparatively wholesome, like if I take what I’m paying for a premium and put into the checking account is, does that make extra sense than simply giving over this big share of cash? It looks like there’s not a solution.

Dan internet hosting: In her case, it appeared like insurance coverage for her and her husband would go up a pair hundred bucks a month, for a similar crummy, bare-bones plan they have already got. That might nonetheless depart them on the hook for like 17 thousand {dollars} in medical payments.

Jess: Clearly I really feel actually fortunate that like we don’t work by the federal authorities or any variety of people who’re coping with rather more this 12 months than we’re. However then on the finish of the day, it’s actually laborious to press the button, and join one thing that you just’re like, nicely, I do know I’m not gonna get nice care as a result of the one plan I selected like actually limits the quantity of medical doctors I can go to.

Dan internet hosting: And he or she says that restricted checklist of medical doctors, it’s obtained quite a lot of turnover.

Jess: So like, we’ve been by what number of medical doctors previously 5 years? Then I do know that if something unhealthy does truly occur, I nonetheless gotta provide you with like $17,000 to love pay these payments, on high of all the pieces else. So generally I’m simply questioning like the place, like with a system that doesn’t make any sense, the place’s the road the place for… I simply really feel like lots of people are gonna be fascinated about this, this 12 months. Like, what? I’m gonna maintain the cash, I’m gonna put it within the financial institution and with folks shedding their jobs and stuff too, like possibly it’s time to simply bulk up your financial savings. I don’t know.

Dan internet hosting: Jess and her husband run a small enterprise. It hasn’t been an amazing 12 months, and subsequent 12 months may very well be sort of dicey. Then again, her dad survived a serious bout with most cancers earlier this 12 months. That have had already been noodging her towards urgent the button: paying the additional for insurance coverage. After which somewhat after she wrote to me.  

Jess: I used to be like visiting dad, this fall, So it had been lengthy sufficient that he truly obtained the like ex– like I feel it’s most likely the reason of advantages or no matter…

Dan internet hosting: Yep, clarification of advantages: That’s the insurance coverage paperwork that reveals the full chargesfor all that most cancers remedy, and what the insurance coverage firm paid.

Jess: And he’s like, do you wanna know the way a lot that value? it was 1,000,000 {dollars}. And I used to be like, okay, I assume I’m getting medical health insurance once more this 12 months. 

Dan: Oh my God. Wow.

Dan internet hosting: She and her husband *can* discover the additional couple hundred {dollars} a month. And they’re going to. However it nonetheless feels unresolved. 

Jess: I actually love, like actually attempting to grasp an issue I’m attempting to resolve and ensuring I’ve like, I really feel like that’s the, that’s the laborious factor with that is that like yearly I’m like, have I considered all the pieces?

Have I thought-about all of the parameters? Have I I achieved the fitting analysis?

And simply sort of feeling like by yourself with it, regardless that, , everybody’s going by the identical factor.

Dan: For positive. For positive.

Jess: It sucks.

Dan internet hosting: Right here’s what’s coming subsequent: 

We’re gonna come again to Emily’s story– and mine. There’s a POSSIBLE less-sucky choice for Emily — it’s gonna take some doing — and in each case: 

We’re trying carefully on the choices we DO have. Going by all that paperwork just isn’t enjoyable, however the particulars we discovered buried there are gonna make a HUGE distinction  

We knew the place to seek out them as a result of we’ve been doing this — trying on the puzzle of buying medical health insurance — for lots of years now. 

We’ll stroll you thru a few of what we did, and recap a few of what we’ve discovered over all this time.

That’s coming proper up.

This episode of An Arm and a Leg is produced in partnership with KFF Well being Information — that’s a nonprofit newsroom protecting well being points in America. These people are unbelievable journalists — their work wins all types of awards, yearly. We’re honored to work with them.

Let’s return to my home for starters. As you could recall, our plan for subsequent 12 months is gonna value about 500 {dollars} extra each month. That’s 6 thousand {dollars} for the 12 months.

And Devorah and I have been processing.

Devo: I imply… 

Dan: It’s loads.

Devo: That’s some huge cash. 

Dan: It’s some huge cash. 

Devo: And that’s similar to further cash. Like we’re already hemorrhaging cash on medical health insurance, like earlier than it goes up $6,000. 

Dan: Proper? Proper. We’re already paying loads. We’re already paying loads, and so we’re including $6,000 to that and… 

Devo: Can I’ve a unique timeline?

Dan: Yeah, we’d all like that. Proper now there are alternate options. Um, they’re not nice. 

Devo: Okay. 

Dan internet hosting: Our dealer had despatched us a pair different plans to have a look at. And so they have been rather less: As a substitute of 2600 {dollars} a month,

Dan: …They take it right down to about 2300.

Devo: Okay. 

Dan: However by paying $300 much less, we pay extra for issues like workplace visits, which we use a good quantity of, um, to see therapists and stuff like that.

Dan internet hosting: I imply, look: ?You assume I might make a present like this with out some critical assist for my psychological well being?

One purpose we’re these super-expensive plans is: our therapists settle for them. The co-pays to see them for the “less-expensive” plans have been a lot increased — it ate up all of the financial savings. I had an entire little spreadsheet.

And I hoped Devorah could be like, “Wow, you’re so good at math!” However she was these totals for the complete 12 months and doing her personal math.

We’ve obtained a child who’ll be making use of to varsity subsequent 12 months, and Devorah’s been utilizing a instrument known as the “web value calculator” — seems to be at a bunch of things, and offers an estimate of what we’d most likely pay after any monetary support. 

Devorah was mentally evaluating what she’d seen there to what my spreadsheet stated we’d be paying for well being care subsequent 12 months.

Devo: Are you aware that this seems to be precisely like what the online value calculator says we would pay for faculty in a 12 months? No, I’m critical. 

Dan: I do know you’re critical. 

Devo: I’m like writing the online value calculator with our revenue and it’s popping out with like virtually the precise quantity you’re saying we might pay on healthcare.

Dan: Sure, that’s proper. And that is… 

Devo: that’s insane. 

Dan: And this, proper. Nicely, and that is, the massive quantity to have a look at subsequent is deductible. And that’s the place issues get very completely different. 

Dan internet hosting: Particularly as a result of all of those plans — the “cheaper” ones and our present one–had a function I’d by no means observed earlier than: *household* deductibles. A sort of security valve the place if one individual’s bills passes a sure level, insurance coverage kicks in for the entire household. 

On the quote-unquote “cheaper” plans, these household deductibles have been 5 thousand, even ten thousand {dollars} extra.

I imply, I hope we don’t find yourself in that sort of territory. The deductibles on our present plan are already within the hundreds of {dollars}. But when we ever obtained there, I’d positive need to cease the bleeding 5 thousand {dollars} sooner.

Devo: I sort of am leaning in the direction of 

Dan: Yeah. Conserving what we have now. 

Devo: Conserving what we have now.

Dan: Proper? Yeah. It’s bizarre as a result of I’m like, wow, however that’s 

Devo: $6,000 extra a 12 months. Okay. Okay. I’m gonna go take some deep breaths now. 

Dan: Yeah, 

Devo: I don’t prefer it. 

Dan: No, me both. Sorry. Thanks for becoming a member of me with this. I’m sorry. Tremendous sucks.

Dan internet hosting: It does — and 6 thousand {dollars} is a LOT of cash for us. However it seems, these “various” plans don’t save us any cash, they usually depart us doubtlessly on the hook for hundreds and hundreds of {dollars} extra.

So I’m taking this as a win. And it’s the lesson: If there’s ANY option to look past the month-to-month premium, you gotta do it. 

Learn the fantastic print! For those who’ve obtained ongoing well being care stuff — or stuff you’re GONNA do subsequent 12 months, like, I dunno, have a child? — value it out for any plan you’re contemplating.

Study the silly vocabulary: Deductible. Out of pocket max. This time round, I truly discovered a brand new one: FAMILY deductible.

After which we get again to Emily’s case. Which truly has a happier facet to it. Particularly after we learn some fantastic print.

Emily, we left you with Elisabeth Benjamin. She had a few choices for you.

Emily internet hosting:  Yeah. I might both re-enroll in what I’ve now for 867 {dollars} a month. Or get a plan with a barely cheaper premium with even crummier protection. It doesn’t matter what, I’m paying a means larger share of my revenue on medical health insurance.

Dan internet hosting: Yeah, since you’d lose the subsidy you might have now. However my man Kurt, my insurance coverage dealer, 

Emily internet hosting: Kurt! 

Dan internet hosting: He says there’s one other means: If I can carry you on at 30 hours per week — versus now you’re at 20 hours — then Blue Cross of Illinois would take into account you a full-time worker, eligible for ben efits with An Arm and a Leg. And.. you, know, I’m engaged on it…

Emily internet hosting: I do know. I do know you’re.

Dan internet hosting:  Yeah so, towards that finish, Kurt has despatched me a few plans that you may enroll in. And like even in case you needed to pay the entire premium, they’re lower than these New York plans. One’s like 600, the opposite is about six-ninety.

However the query is: Does that basically prevent cash? It relies on what they  cowl. I dug up the spreadsheet Kurt had despatched me.? And we checked out it collectively on Zoom final week. 

I’ll put it within the chat.

Emily: Okay

Dan: so the primary quantity is, let’s simply look

Emily: Wait I’m placing I gotta put Zoom on, uh, 200% right here.

Dan: Yeah, yeah. You for positive. 

Emily: …cuz they’re little. Okay, okay. 

Dan: So. This quantity actually pops out at me, what’s the total deductible? It appears to say $850 deductible. 

Emily: Mm-hmm Mm-hmm .

Dan: Sounds fairly good. Sounds somewhat like, is {that a} typo?

Emily internet hosting: OK- decrease premium, decrease deductible. What about my copays? Keep in mind – my New York market choices have zero greenback copays for insulin and diabetes provides. 

Dan: This could be one the place we wish, need to do some extra digging to determine what your out OFP pocket could be.Let me see what I can discover out. Lemme see what I can… 

Emily: Yeah I imply like the recommendation that we have been giving folks like— contact your HR division. It’s like, Dan are you the HR division? 

Dan: I’m, I’m. So I’m like, yeah, let’s do that. Let me, that is gonna take a 

Emily: Yeah yeah.

Dan internet hosting: Actually, it took endlessly. We spent one other twenty minutes on that decision, attempting to get data from my Blue Cross web site, after which from Google. Which ended up sending us to Fb group discussions and Reddit threads. 

Emily, you took a while on her personal– OK quite a lot of time– you known as your insurance coverage, and your pharmacy, and I overlook who else– and finally, together with your unbelievable Google abilities, you discovered the doc we would have liked: The 2026 formulary for Illinois Blue Cross plans.

Emily internet hosting: Sure, the formulary. That’s an insurance coverage firm’s checklist of ALL THE DRUGS they cowl–  and what you’d pay for every one. For those who’re a First Support Package publication subscriber, we simply wrote about them final week. Okay, so we began off on the lookout for my steady glucose monitor provides.

At first, it appeared like: They have been gonna be sort of costly. $60 a month. However there have been little letters off to the facet– one was CW, which appeared to face for “value waived.” We hit Management-F…

Dan: Okay. In order that’s right here. It says, uh, value waived – CW –Medicines marked with a CW within the protection necessities and limits column are mandated within the state of Illinois to have $0 member value.

Emily: Hey.

Dan: Yeah, proper. Yeah.

Emily internet hosting: Subsequent… we appeared up my insulins.And I do have a copay there – $85 a month, which is sadly fairly regular. And so this plan was nonetheless trying like a winner. Due to that decrease deductible. After which — after we did another spherical of due diligence — we discovered — it was even higher than we initially thought.

Dan internet hosting: Yeah, we downloaded one other set of paperwork. Each plan has a doc known as the Abstract of Advantages and Protection, so we grabbed these. With the New York plans, these paperwork confirmed: you would need to pay out that complete deductible earlier than seeing a physician. Then we checked out that very same doc for this Illinois plan. And located THIS:

Dan: For those who go to a healthcare supplier’s workplace, major care to deal with an damage or sickness, deductible doesn’t apply.

Emily: Hell yeah.

Dan: Yeah. Whew. All proper. That looks as if a very good deal.

Emily: Yeah. Yep. Precisely.

Dan: All proper, cool. That is wonderful. Okay. So I feel what we’ve discovered by our sleuthing, your sleuthing is, yeah, this can be a higher deal and it’s all within the fantastic, it’s all within the fantastic print.

Emily: It’s, yeah.

Dan: Yeah. Alright. All proper. Nicely that is good. I really feel like we’re like, now all you gotta do is elevate cash to carry you on for the additional hours and , however like we’ve achieved the laborious half.

Emily: Yeah, yeah, precisely. Precisely. We’ve deciphered, um, insurance coverage lingo…

Dan: Oh my God.

Emily: …and now we simply need to go a hat round, so.

Dan: Let’s do it. 

Dan internet hosting: So, OK, we have now modeled some stuff for you right here:

If there’s medical stuff you’re gonna want: Look past the month-to-month premium.

Take a look at that Abstract of Advantages and Protection. Search for the drug formulary. Learn the fantastic print. Use Management-F. Make calls. 

And we have now a ton of assets that can assist you maintain the entire thing straight: We’ve coated these things earlier than, in depth, in our First Support Package publication, and on the podcast — and we’ve collected the most-important, most-useful stuff, and arranged it right into a Starter Pack on our web site.You’ll discover a hyperlink wherever you’re listening to this.

And look: there are folks for whom NONE of this will get you to one thing workable. The spikes in medical health insurance premiums, and the decrease subsidies, they imply lots of people are simply caught.

The oldsters at NPR talked with a girl final week who’s in the midst of most cancers remedy. Her medical health insurance is scheduled to leap from 300 some {dollars} a month to love 12 hundred {dollars}. Which she completely can not afford.

There shall be folks seeking to benefit from this complete crunch: Pitching junk insurance policy and different “bargains” that don’t truly cowl sufficient.

And there shall be lots of people going through payments they only can not pay. Medical debt — and aggressive debt collections — all of that’s gonna hit much more folks.

Which, truthfully, is why it’s so necessary for us to maintain doing this work. Collectively. So many individuals are going to be in a lot want within the coming 12 months — years.

Every little thing we will study combating unfair payments, making use of for monetary help, avoiding ripoffs, and HELPING EACH OTHER. We’ve gotta maintain spreading it round.

And to do all of that: We want your assist. For instance: sure I would like Emily to have extra hours so she will be able to have insurance coverage, however I would like extra of her time as a result of we’ve obtained a lot work to do. 

So yeah, we’d like your assist.

And that is the ABSOLUTE finest time to assist us. By the tip of the 12 months, the NewsMatch marketing campaign from the Institute for Nonprofit Information is matching donations of as much as a thousand {dollars}.

And in case you’re catching this in November, nicely: By the tip of the month, due to a particular matching fund from the Jonathan Logan Household Basis, these donations are DOUBLE-matched. 

You give us 100 {dollars}, and in November, it will get changed into 300 {dollars}. 

And plenty of you might have been profiting from this chance in the previous few weeks. It’s superb.

And a few of you might have been including notes. Kimberly from Texas wrote: “Thanks for all of your laborious work! I really feel surrounded by assist figuring out you, your (tiny) group, and all of your listeners are on the market, caring a lot.”

Kimberly, thank YOU a lot.

OK: The place to go is arm and a leg present dot com, slash assist.

Arm and a leg present dot com, slash, assist.

We’ll have a hyperlink wherever you’re listening. Every little thing you give will get matched. Let’s do that now.

Thanks SO a lot. Arm and a Leg present dot com, slash, assist.

We’ll be again with one other episode quickly. Until then, handle your self.

This episode of An Arm and a Leg was produced by Emily Pisacreta and me, Dan Weissmann, with assist from Claire Davenport — and edited by Ellen Weiss. 

Adam Raymonda is our audio wizard.

Our music is by Dave Weiner and Blue Dot Classes. 

Claire Davenport is our engagement producer.

Sarah Ballema is our Operations Supervisor. Bea Bosco is our consulting director of operations. 

An Arm and a Leg is produced in partnership with KFF Well being Information. That’s a nationwide newsroom producing in-depth journalism about well being points in America and a core program at KFF, an unbiased supply of well being coverage analysis, polling, and journalism.

 Zach Dyer is senior audio producer at KFF Well being Information. He’s editorial liaison to this present.

An Arm and a Leg is distributed by KUOW, Seattle’s NPR information station.

And due to the Institute for Nonprofit Information for serving as our fiscal sponsor.

They permit us to simply accept tax-exempt donations. You may be taught extra about INN at INN.org.

Lastly, thanks to everyone who helps this present financially.

You may take part any time at arm and a leg present, dot com, slash: assist.

And actually:  Listed below are the names of some individuals who have pitched in for this 12 months’s NewsMatch marketing campaign. 

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