Why You're Overpaying for Health Insurance (And How to Fix it)
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
Have I hit my deductible in the last two years?
Do I get a discount on my premiums based on my income that's over 50% of the total bill?
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.
