Health insurance is expensive — but lately, it feels like the prices have completely spiraled out of control. If you’ve ever looked at your premium and thought, “How is this even possible?”, you’re not alone. In this post (and video), I’m breaking down why health insurance costs so much — and more importantly — what you can actually do about it. Because most people … [Read more...] about What To Do If You Can’t Afford Health Insurance
Health Insurance
Health Share vs Health Insurance: Which One’s Better for You?
If you’ve only ever known traditional health insurance, you might be surprised to learn there’s another option for handling medical expenses — one that often costs about half as much and gives you more control over your healthcare choices. That option is a health share. Both health shares and health insurance help with medical expenses, but the way they do it is … [Read more...] about Health Share vs Health Insurance: Which One’s Better for You?
When Your Employer Health Insurance Jumps from $562 to $1,378/Month — For the Same Plan
(Video: watch below — or keep reading for the full story!) I saw this post on reddit recently. While I know the 2026 ACA premiums are going up, this is a real story from a family of four. Nothing about their plan changed — not the deductible, not the benefits, not the network. The only thing that changed? The cost. Their monthly premium jumped from $562 to $1,378, … [Read more...] about When Your Employer Health Insurance Jumps from $562 to $1,378/Month — For the Same Plan
Why a Health Share Will Never Be Insurance (And Why That’s Actually a Good Thing)
You’ve probably heard me say this before, but let’s make it crystal clear: A health share will never, ever be health insurance. And honestly, that’s the whole point. Today, I’ll break down why that’s a good thing—and why you might be glad that health shares play by different rules. Why Health Insurance Feels So Complicated Health insurance is an entire industry … [Read more...] about Why a Health Share Will Never Be Insurance (And Why That’s Actually a Good Thing)
How Much ACA Marketplace Premiums Are Going Up in 2026 (State-by-State)
What’s really happening to ACA premiums in 2026? ACA Marketplace premiums are projected to rise by an average of about 20% in 2026, with some states seeing increases of 30% or more. These proposed rate changes, filed by insurers with state regulators, mark the biggest jump since 2018. Below is a state-by-state interactive map showing how much premiums may change where … [Read more...] about How Much ACA Marketplace Premiums Are Going Up in 2026 (State-by-State)
Dr. Elisabeth Potter Is Right About Insurance—Here’s a Smarter Way Forward
I recently watched a video from Dr. Elisabeth Potter, a board-certified plastic surgeon in Austin, and it really struck a chord with me. If you haven’t come across her before, Dr. Potter has become well-known over the past few months for being outspoken about how insurance companies operate—especially the way they deny medically necessary care. She’s even said she’s being … [Read more...] about Dr. Elisabeth Potter Is Right About Insurance—Here’s a Smarter Way Forward
Health Insurance Mandates by State (Interactive Map)
When the Affordable Care Act (ACA) first passed, it included the individual mandate — a federal requirement that most Americans maintain qualifying health insurance or pay a tax penalty. The goal was to keep premiums stable by ensuring enough healthy people were enrolled to balance the costs of those needing more care. But in 2019, the federal penalty was reduced to $0, … [Read more...] about Health Insurance Mandates by State (Interactive Map)
Why Do People Defend a Broken Health Insurance System?
If you've ever spent time scrolling through Reddit forums like r/HealthInsurance, you've probably noticed a pattern. Post after post from people venting their frustration about how expensive, confusing, and ineffective traditional health insurance has become. You’ll see comments like: The frustration is loud and clear. But here's where it gets interesting... The … [Read more...] about Why Do People Defend a Broken Health Insurance System?
Health Insurance in a Nutshell: When Paying More Makes No Sense
Health insurance is one of those things we’re all told we have to have—just in case. You pay a monthly premium for the comfort of knowing you’re covered in case of a health emergency or routine care. But what happens when you actually need to use it? Here’s a real-life example that makes you wonder if health insurance is really working in your favor. A friend with a family … [Read more...] about Health Insurance in a Nutshell: When Paying More Makes No Sense
What To Do if You Miss Open Enrollment for Health Insurance
Missing the open enrollment period for health insurance can be a stressful experience, especially if you’re unsure about your options for getting coverage. The open enrollment period is a designated time each year when you can sign up for health insurance through the marketplace or make changes to your existing plan. But what happens if you miss this window? Don't worry, there … [Read more...] about What To Do if You Miss Open Enrollment for Health Insurance