🎯 Episode 5: "Retire Right in a Recession: The Health Care Trap You Can’t Ignore"
If you're within 5–10 years of retirement, especially as a Texas state employee, educator, or healthcare worker, this episode is a must-watch. In today's environment, a recession doesn’t just affect your investment accounts—it can put serious pressure on your retiree healthcare benefits, premiums, and long-term medical costs.
In this episode, Chris Hensley, President of Houston First Financial Group, breaks down:
✅ How health care costs behave differently during economic downturns
✅ Why CPI-E (the inflation index for elderly expenses) matters more than CPI
✅ The hidden risk of losing retiree healthcare eligibility before you're vested
✅ The danger of early retirement packages that leave you exposed
✅ Why state retiree health plans like UTS and ERS could change under budget strain
✅ Real-world planning strategies to protect your health and your retirement income
Chris shares practical, rules-based planning insights from over 20 years of guiding state employees through market cycles—and reveals the systematic process HFFG uses to help clients stay financially and medically secure through any economy.
📌 Next Episode: We’ll cover how to navigate pension choices during a recession—another area where the wrong move can have lifelong consequences.
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