Скачать или смотреть Full Show: Clark Stinks! and Health Insurance Scam: Are You Covered?

It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, health insurance is wildly expensive, and scammers know it. Clark shares a warning about deceptive "ultra-thin" and outright fake health plans that are tricking people into thinking they have real coverage.

All this and more on the August 29, 2025, episode of The Clark Howard Show.

Submit your opinions or questions:
https://clark.com/clarkstinks/
https://clark.com/ask/
https://clark.com/about-consumer-acti...

Mentioned on the Show:
https://clark.com/insurance/term-life...

00:00 - Intro
01:08 - Clark Stinks - Are you really eligible for an HSA if your employer offers an FSA or you’re on Medicare? (Rick in Indiana)
03:49 - Clark Stinks - Can insurance accident response apps actually protect drivers instead of hurting claims? (Justin in Georgia)
06:19 - Clark Stinks - Beyond helmets, what’s the best safety gear for cyclists to stay visible on the road? (Mike in California)
07:47 - Clark Stinks - Should wealthy individuals rely on whole life insurance for long-term care needs, or just self-insure? (With Love From Phoenix in Arizona)
09:39 - Clark Stinks - Did Capital One Venture X quietly cut its lounge access perk, and is it still worth it? (Dana in New Jersey)
11:33 - Clark Stinks - Are sodas sabotaging your health and wallet, and is sparkling water a smarter swap? (Chuck in Florida)
12:46 - Clark Stinks - Why isn’t medical insurance always enough abroad, and should travelers rely on high-limit credit cards too? (Corinne in North Carolina)
14:11 - Clark Stinks - What are the IRS rules on classifying contractors vs. employees, and why is misclassification so risky? (Steve in Oklahoma)
17:04 - Clark Stinks - Is flying on Thanksgiving Day really worth it if you miss NFL games with family? (Tim in Florida)
20:07 - "Fake" Health Insurance Scam
24:51 - Ask Clark - Should you buy new term life insurance or switch to whole life when your policy expires? (Meldon in Ohio)
27:13 - Ask Clark - If homeowners insurance is unaffordable in Florida, is it smarter to pay off the mortgage and drop coverage? (Michael in Florida)
29:28 - Ask Clark - Are teacher 403(b) fees so high that it’s not worth contributing, even with a district match? (Chelsea in Minnesota)


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