Understanding Health Insurance in the U.S. doesn’t have to be confusing.
At Kaiona Academy, we break down the complicated world of Premiums, Deductibles, Copays, and Total Medical Costs — all in a way that actually makes sense.

Through clear visuals, short explainers, and deeper breakdowns, we help you see the real cost of your healthcare and make smarter financial decisions.

💡 Topics we cover:
How to understand your Total Annual Medical Expense
Comparing ESI, Marketplace, Medicare, and Medicaid plans
What makes PPOs, HDHPs, and HMOs different
Smart ways to reduce your out-of-pocket spending

🎥 Whether you’re just starting your job, choosing a new plan, or trying to understand last year’s EOB — this channel is for you.

👉 Subscribe to Kaiona Academy for practical, visual, and easy-to-understand lessons that help you make better health insurance choices.