08/18/2026
“I’m healthy. I never go to the doctor. Why do I need health insurance?”
I hear this a lot, especially from self-employed people.
But health insurance isn't just about doctor visits. It's about protecting yourself financially from the unexpected—an accident, hospitalization, serious illness, etc.
A plan with a reasonable maximum out-of-pocket can provide an important financial stop-loss if something major happens.
And if you're relatively healthy, you may have access to private options with lower premiums and different benefits than what you see on the public marketplace.
Being healthy doesn't mean you don't need coverage. It may mean you have more options at a better rate!
Have you ever looked in to a health-based plan before??