Why You're Overpaying for Health Insurance

Estimated Read Time: 6 minutes
Updated for 2025 | For people under 65 not getting employer or government coverage

Let’s Be Honest

You're probably paying $300 to $1100 a month for health insurance.

But when you finally go to the doctor or have a medical emergency, what happens?

You still get hit with a big bill.

“Why am I paying this much… and still paying more?”

If you’ve asked yourself that, you’re not alone, and you’re not crazy.

#1: Your Deductible Is Too High

Most ACA (Obamacare) plans come with deductibles ranging from $3,000 to $9,200.

That means you’re paying out-of-pocket for nearly everything until you hit that number.

Example:

• You get an X-ray for a sports injury → $580

• You go to urgent care with the flu → $190

• You get routine bloodwork → $200+

If you’re on a high-deductible ACA plan, you’re covering all that yourself. That's on top of your monthly premium.

You’re Paying for a Plan Built for Someone Else

ACA marketplace plans were originally created for two groups:

• People with major pre-existing conditions

• Lower-income individuals who qualify for subsidies

If you’re healthy and making a decent income (over ~$50,000/year), you’re probably:

• Not getting discounts

• Not using the coverage much

• Paying like someone who does

That’s why your plan feels expensive and useless.

What Kind of Plan Should You Be On?

There are only two types of plans available outside of employer coverage:

Marketplace (ACA)

Major health issues or low income

✅ Discounts go based on Income

Private Marketplace
Relatively healthy people

People with high prescription costs

✅ Discounts go based on Health

Private Plans Often Include:

• ✅ $0 deductible

• ✅ Nationwide coverage with PPO network

• ✅ No referrals to see a specialist

• ✅ Lower monthly premiums than full-price ACA

• ✅ Day-one benefits for urgent care, doctor visits, and labs

Real Life Example: Lauren (42, Self-Employed)

• She was paying $895/month for an ACA Bronze plan

• Deductible: $6,000

• She never used it. She had copays and needed referrals. Also, She was paying Retail Price for here plan.

She switched her to a private marketplace plan:

• $427/month

• $0 deductible

• Day-to-day services covered

• $250 cap for any accident

• $3,000 max out-of-pocket worst case

Her results? She kept her doctors AND was able to get a massive discount (over 52%) based on being in good health.

Ask Yourself These 3 Questions

1. Have I hit my deductible in the last two years?

2. Do I get a discount on my premiums based on my income that's over 50% of the total bill?

3. Do I have any chronic conditions (cancer, MS, Lupus, etc)?

If you answered no to all 3, you’re likely in the wrong plan.

So What Can You Do?

If you're:

• Under 65

• In decent health

You might qualify for a private health plan that gives you:

• Lower cost

• Better benefits

• No giant deductible wall

• More freedom with doctors

You wouldn’t keep paying for a gym you don’t use.

So why keep paying for a health plan that doesn’t help when you actually need it?

Want Help Finding Out If You Qualify?

Free Health Insurance Package of Tailored Quotes:
(link will go to form to get tailored quotes sent to you email / text)

✅ No pressure.
✅ No spam.
✅ Just clarity.