My name is Patrick, and I live in the Suwanee/Sugar Hill/Buford area north of Atlanta. Having spent my entire career in corporate America, all I ever knew was employer group health insurance. Sure, there were aspects I liked … the brand recognition for the major carriers, or HSA accounts for tax benefits to name a few. But there were also aspects I didn’t appreciate. Like the constantly rising costs (my deductible went up 50% within a 3 year timeframe), or rushing to fit in doctor visits towards the end of the year. But I especially disliked the lack of insurance continuity when job situations changed.
A web search will reveal the average tenure at a company is around 4 years. What I have found, both personally as well as looking a bit deeper into FinTech or high technology companies, is something a little different. Turnover is actually every 2-3 years (especially with younger employees looking to move up). Imagine having to change insurance carriers every 2 years!
And when I had to deal with the preposterous costs of COBRA, I knew there had to be an alternative to the many frustrating experiences my family of 4 have had. So I decided to learn about Individual Health Insurance options and how they might better serve my needs.
Perhaps you can relate to what I just described. Or perhaps one of these situations apply:
· you work for a small business that does not offer health insurance
· you are a small business owner who can’t afford to offer employer health insurance (but you would like to provide options for your employees)
· you have found the benefits through government programs lacking or too expensive
· medical sharing services haven’t panned out the way you thought they would
If any of above scenarios resonated with you, let’s have a conversation. I would love to help you explore the alternatives with individual health insurance I've become familiar with. Chances are you will be able to save money.
What I personally have found are solid health insurance options with low monthly premiums. At worst they are comparable to what I had with my prior employers, but at best they are significantly less than what others have told me they paid through their employers.
AND with no co-pays and no deductibles, the savings continue!
Intrigued? Sound too good to be true? I certainly thought so.
But if change is what you need, let’s have a conversation to explore further.