Why Does My Health Insurance Cost So Much

— and Still Cover So Little?

You’re paying $600, $800, sometimes even $900 a month just to have health insurance… and yet,

when you actually need it, you’re still stuck with surprise bills, out-of-pocket costs, and deductibles that feel more like a second rent payment. Sound familiar?

You’re not alone — and it’s not your fault.

The Problem: You're in the "Middle-Class Health Insurance Trap"

If you’re earning more than $50,000 a year, chances are you’ve already run into this wall. You make too much to qualify for government subsidies — but not enough to comfortably cover the high premiums, co-pays, and deductibles of Marketplace plans.

Common issues people face:

❌ Monthly premiums over $600–$900

❌ Deductibles exceeding $7,000 before any real benefits kick in

❌ Network confusion — is your doctor in-network? Not until the bill shows up...

❌ Coverage gaps for everyday needs like prescriptions, mental health, or urgent care

It feels random. But it’s not.

The Reason: The System Isn’t Designed With You in Mind

Here’s the blunt truth: Marketplace plans are built around income tiers and risk pools. The more you earn, the more you’re expected to pay — regardless of whether the coverage makes sense for your lifestyle, your family, or your health priorities.

These plans often work well for people with very low income or chronic medical conditions. But for self-employed professionals, business owners, and healthy individuals with average to high income?

They’re often the most expensive and least efficient option.

What You Can Do: Explore Private PPO Alternatives

There’s good news. Private PPO plans still exist — and in many cases, they provide a smarter alternative, especially if you:

• Are self-employed, a 1099 contractor, or a business owner

• Prefer lower deductibles and broader networks

• Want coverage that isn’t tied to the subsidy model

• Travel often or need nationwide access to doctors and specialists

These plans aren't available on Healthcare.gov and often fly under the radar — but they can make a huge difference in both cost and quality of care.

Want to Know If You Qualify?

Let’s clear things up. No spam. No pressure. Just an honest side-by-side quote so you can compare your options.

Get your free quote now!

You don’t have to keep overpaying for underwhelming insurance. Let’s find something that actually works for you.