Health insurance isn’t an easy topic to talk about. In fact, it’s one of the most misunderstood expenses people face. I hear it all the time:

• “Insurance is a scam. I pay so much and still have to fight for coverage.”

• “Cash pay is cheaper. Why not just pay out of pocket?”

• “I’m young and healthy. Why waste money on something I don’t use?”

I get it. Health insurance isn’t perfect—and it isn’t cheap. I fight with insurance companies on behalf of my clients, and I know how frustrating the system can be. But here’s the truth: insurance is about protection, not perfection. It’s not there to cover every little thing—it’s there to protect you from financial ruin when life throws the unexpected your way.

Why We Protect Things That Are Replaceable (But Forget What Matters Most)

Think about it:

• We insure our cars, even though they’re depreciating assets.

• We insure our homes, even though they can be rebuilt.

• We even insure vacations and flights, in case something goes wrong before the trip.

• We might even insure jewelry, phones, or electronics, all of which can be replaced.

But our health? That’s irreplaceable.

Losing your health isn’t like losing a car. When your health fails, it becomes your sole focus. Everything else—your job, your finances, your plans—comes second.

The Real Cost of Being Uninsured

Medical care is expensive, and it’s only getting worse. A single accident or diagnosis can cost more than most people’s lifetime savings.

• The average 3-day hospital stay costs about $30,000.

• Cancer treatments can exceed $150,000 per year.

• 66% of U.S. bankruptcies are tied to medical debt.

The sad truth is that most families don’t have the resources to handle these kinds of costs out of pocket. Even the most financially stable household could be wiped out by an unexpected medical crisis.

Cash Pay vs. Insurance: What People Get Wrong

It’s true that paying cash can sometimes be cheaper for small things—like a simple check-up or basic bloodwork. Some providers even offer “self-pay” discounts.

But insurance isn’t designed to save you $20 on a doctor visit. It’s there to save you from the $100,000 surgery bill or $250,000 cancer treatment. That’s the kind of risk you can’t plan for.

“It Won’t Happen to Me…”

Many people think they don’t need insurance because they’re young and healthy, or they’ve gone years without needing care. But I’ve seen it happen to people who thought they were invincible:

• Middle-aged, extremely healthy person living a holistic lifestyle, facing a multi-year cancer battle they never saw coming..

• Families whose lives were turned upside down by strokes or heart issues in their 30s and 40s.

• Car accidents and sudden illnesses devastate people who thought they were “too healthy” for something to happen.

Life doesn’t wait until you’re ready. You can’t buy insurance after a diagnosis and expect it to cover the bills you already owe. Coverage doesn’t work that way.

Why GoFundMe Isn’t a Backup Plan

We’ve all seen someone start a GoFundMe to pay medical bills. And while those campaigns are heartfelt, most of them don’t raise anywhere near enough money to cover the true costs of care.

Worse, the medical bills are just part of the financial picture. Mortgages, car payments, utilities, groceries, childcare—they all keep coming, even if you’re too sick to work. Without insurance, many families are forced to drain savings, max out credit cards, and lean on donations just to survive.

GoFundMe is not a plan. Insurance is what keeps you from ever needing one.

Myth vs. Reality

Myth #1: “Insurance is a scam.”

Reality: Insurance isn’t meant to cover every small expense—it’s designed to protect you from catastrophic costs that could otherwise wipe out your savings or home.

Myth #2: “Cash pay is cheaper.”

Reality: Cash pay might save you on minor care, but it won’t save you from six-figure medical bills. Insurance is your financial shield against life’s big risks.

Myth #3: “I’m young and healthy, so I don’t need coverage.”

Reality: The majority of medical bankruptcies involve people who were healthy before something unexpected happened. Accidents, illness, and diagnoses don’t come with warning signs.

Health Insurance Isn’t Perfect, But It’s Necessary

Yes, the system is flawed. Premiums are high, and coverage can be complicated. But health insurance isn’t about perfection—it’s about protection.

If you’re willing to insure your car, your house, or even a vacation you might not take, isn’t it time to protect what truly matters—your health and your life?

Because at the end of the day, if you don’t have your health, what do you really have?

Why Costs Keep Rising

Healthcare costs are rising for many reasons:

• The cost of advanced medical technology and treatments.

• Skyrocketing prescription drug prices.

• Rising hospital and emergency care costs.

This is exactly why having a plan is even more critical now than ever before.

What’s Your Next Step?

Health insurance isn’t about expecting the worst—it’s about being prepared for it. It’s about protecting your family, your savings, and your future.

Ask yourself this:

• Could you pay $100,000 in medical bills tomorrow?

• Could your family survive financially if you were hospitalized for months?

If not, it’s time to make sure you’re covered. My team and I specialize in helping families and individuals find affordable, personalized coverage—at no cost to you.

Call to Action:

Don’t leave your health and financial future to chance. Contact us today and let’s create a plan that truly protects what matters most—your health and your life.