Don’t be a Do-It-Yourselfer and cobble together Cut-Rate Health Insurance!

Don’t be a Do-It-Yourselfer and cobble together Cut-Rate Health Insurance!

January 28, 2016

Don’t be a Do-It-Yourselfer and cobble together Cut-Rate Health Insurance!

If you are like a lot of hard working Americans and have decided that paying $1,000 or more a month for family health and dental plans through your job has become an excessive burden – then listen up.

You’ve probably searched for individual family plans on These polices are usually more expensive plus have high deductibles. They only make sense if your family's income is low enough for subsidies.

For many people the next step has been to cobble together different policies that each provide limited coverage for you and your family: a short-term plan with a high deductible that provides up to $1 million in coverage for just under a year; a critical illness plan that pays a $20,000 lump sum if one of you is diagnosed with invasive cancer, heart attack or stroke; and a dental plan that provides $1,000 in coverage. The total monthly tab for this might be around $350.

 But there are a couple of catches:

  • The protection you have pieced together is not the best protection – it leaves you wide open to financial disaster. With a lump sum payout of $20,000 for an individual market critical illness plan, according to insurer Gen Re, the policies won't come close to covering treatment for a serious illness.
  • Under the health law, most people are required to have insurance that meets minimum standards or pay a fine. Limited benefit policies such as short-term, critical illness, accident, dental and vision plans don't qualify. (In 2016, the penaltyis $695 per adult and $347.50 per child, or 2.5 percent of household income, whichever is greater.)

Still, faced with sky-high premiums and high deductibles for traditional plans, families earning $70,000-$180,000 are looking for ways to reduce health insurance costs. 

Be Warned: if not done correctly it's a roll of the dice, and if something bad happens, you could find yourself on the hook for a very big bill.


There is a solution!

Trust us. We'll deliver the right coverage and help you avoid the Obamacare penalties.

We specialize in alternative health insurance programs (all from A+ rated companies) that we call the Real Life Protection Pyramid.  Our Real Life Protection Pyramid provides better financial protection and superior access to healthcare than Obamacare or group plans.  We understand how to steer you around the issues of penalties, place you with companies that offer superior lump-sum-payouts for critical illnesses and structure your health insurance program to minimize deductibles.  If no one in your family has had treatment for Heart Attack/Disease, Stroke, Cancer, or Diabetes in the last 5 years, needs coverage for addictions, mental health, or maternity or is taking more than $250 a month of daily medications, you’ll probably qualify and save $400-$700 per month.