How Much Are You Willing to Pay for Health Care Coverage?
How Much Are You Willing to Pay for Health Care Coverage?
Blog Article
(And How Much Should You Be Paying?)
Ah, health insurance—the necessary evil that makes you question whether you’re better off just wrapping yourself in bubble wrap and calling it a day.
Every year, premiums rise, deductibles get bigger, and coverage gets more confusing. And the worst part? You’re paying all this money, and you still have to fight the insurance company over what’s actually covered.
So, let’s talk real numbers. How much does health insurance actually cost? What are you really paying for? And—most importantly—is there a better alternative, like Health Sharing through John Ryer Agency?
Spoiler alert: Yes, there is.
The Staggering Cost of Traditional Health Insurance
If you’ve shopped for health insurance lately, you probably needed a stiff drink after seeing the prices. Here’s what the average American pays for traditional insurance:
1. Individual Health Insurance Costs
For a single person, the average monthly premium for traditional insurance is $703—which adds up to a whopping $8,435 per year.
And that’s just to have insurance. Affordable Health Care Before it even kicks in, you’ll likely need to meet a deductible of around $4,364, meaning you’re responsible for that amount before your plan actually covers anything substantial.
So, let’s say you have a medical procedure that costs $5,000. You’ll pay $4,364 out-of-pocket first, and then your insurance might start covering a portion.
2. Family Health Insurance Costs
For families, the numbers get even more jaw-dropping. The average monthly cost for family coverage is about $1,997, which translates to nearly $24,000 per year.
And, of course, there’s the family deductible—often around $8,439 per year. So, even though you’re paying more than most people’s mortgages for insurance, you still have to fork over thousands before any real benefits kick in.
3. Individual + Spouse Health Insurance Costs
If it’s just you and your spouse, the cost typically falls between the individual and family plans. Most couples can expect to pay between $1,200 and $1,500 per month, or around $14,000 to $18,000 per year—and that’s before you even touch the deductible.
And the worst part? Even after all these costs, you’ll still have co-pays, out-of-pocket maximums, and network restrictions that dictate which doctors you can see.
What Are You Actually Paying For?
Let’s break down what these astronomical costs really get you with traditional insurance:
High Premiums: You’re paying thousands every year just to have the plan—whether you use it or not.
Sky-High Deductibles: Your insurance doesn’t even kick in until you’ve paid a huge amount out of pocket first.
Restricted Networks: You’re limited to specific doctors and hospitals, and if you go “out-of-network,” be prepared for a massive bill.
Surprise Bills: Even with insurance, you might get hit with out-of-network charges, lab fees, and denied claims.
This is why people are looking for a better way—and Impact Health Sharing is the solution.
A Smarter Alternative:
Health Sharing
Imagine a system where you:
✅ Pay significantly less every month
✅ Get real coverage without massive deductibles
✅ Can go to any doctor—with no network restrictions
✅ Avoid dealing with insurance company red tape
That’s exactly what Impact Health Sharing, available through John Ryer Agency, offers.
How Much Does Impact Health Sharing Cost?
Let’s talk real numbers. Instead of paying $700 to $2,000 per month like you would with traditional insurance, here’s what you can expect with Impact Health Sharing:
Individuals can get coverage starting as low as $73 per month.
Couples pay significantly less than the $1,200+ that traditional insurance costs.
Families (3+ members) pay just $378 per month—which is thousands less per year compared to standard insurance.
With Impact Health Sharing, you’re not paying into a bloated system with high administrative costs. Instead, members share medical expenses directly, leading to lower costs for everyone.
Why Keep Overpaying? Get a
Free Quote Today!
Let’s be real—you wouldn’t willingly overpay for a car, a phone, or even coffee. So why overpay for health coverage?
Every month you stick with overpriced traditional insurance, you’re losing money that could be better spent on:
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So, ask yourself: Are you really willing to keep paying up to $2,000 a month for coverage that you barely use?
If the answer is NO, then it’s time to make a smarter choice.
➡️ Contact the John Ryer Agency today and get a FREE quote.
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Stop overpaying. Start saving. Choose Impact Health Sharing today! ????
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