Building the Right Health Protection Strategy When You Buy Your Own Health Insurance
Hosted by Carl Lishing
About this session
Buying your own health insurance can feel overwhelming — ACA Marketplace plans, provider networks, deductibles, and out-of-pocket costs all work differently than the coverage you may be used to through an employer. This free class breaks down exactly how these pieces fit together, the real costs behind healthcare beyond just the premium, and how tools like HSAs, hospital indemnity, and accident coverage can help protect you from unexpected gaps — so you can build a health protection strategy that actually fits your needs and budget.
Date
August 20, 2026
Time
5:30 PM – 7:00 PM (Eastern Time)
Where
Cleveland Insurance Solutions Learning Center, 16506 Detroit Ave, Lakewood, OH 44107
Price
Free — seating is limited
What you'll learn
- How ACA Marketplace plans work and why they differ from employer health plans
- Why provider networks can be more restrictive when you buy your own coverage
- How to compare premiums, deductibles, copays, coinsurance, and maximum out-of-pocket costs
- The Five Costs of Healthcare — premium, out-of-pocket medical costs, non-covered expenses, taxes, and lost income
- How tax credits, HSAs, and other tax considerations can affect the real cost of your healthcare
- How hospital indemnity, accident, and specified disease coverage can help protect against gaps and unexpected expenses
- How to think beyond a single insurance policy and build a Health Protection Strategy that fits your needs and budget
- Questions to ask before choosing or changing your health coverage
Your instructor
Carl Lishing
Licensed Insurance Agent · Cleveland Insurance Solutions
Every session is educational, not a sales presentation, there's no obligation to buy anything.
Pick the seat that fits your week
Join live on Zoom from anywhere, or come to the Learning Center in Lakewood for the in-person class and Q&A.