Full Show: Clark Stinks! And Warning: Fake Health Insurance Scam | Clark Howard Video

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.

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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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