12/08/2025
1️⃣ Google doesn’t know your meds, doctors, or tax situation.
Example: You grab a cheap plan online… then find out your doctor, your prescription, and your MRI aren’t covered. Congrats — you saved $40/month and lost $4,000.
2️⃣ The cheapest plan usually becomes the most expensive one later.
Example: $199/month sounds great… until you actually use it and realize you’re paying everything out of pocket until a $10,000 deductible hits.
3️⃣ One wrong checkbox can wreck your tax return.
Example: You guess your income wrong to get a subsidy… IRS comes back a year later and says, “Cool story — now pay us back $6,200.”
4️⃣ Networks matter… and out-of-network bills are brutal.
Example: You go to the ER in an emergency, only to find out the hospital isn’t in-network. Same visit, totally different bill: $1,200 vs $18,500.
5️⃣ Subsidies, plans, and rules change constantly.
Example: You qualified last year… this year your income bumps up slightly and now your premium triples overnight. Most people don’t even know why.
6️⃣ Your time is worth more than sitting on hold with a carrier.
Example: You spend 3 hours on hold to be told, “You need to call a different department.” A pro handles that nonsense for you.
7️⃣ You don’t need a sales rep — you need a strategist.
Example: Do you want someone pushing one company… or someone who compares everything and builds around your doctors, income, and risk tolerance?
You insure your car with advice. You insure your house with advice.
But your body? Most people just guess. Let’s stop doing that.
