I totally understand - health insurance can be overwhelming. A lot of people choose plans based solely on price or think their employer’s plan is automatically the best. But I’ve seen plenty of people caught off guard by massive bills because they didn’t have the full picture.

Let’s dive into three common myths so you can make smarter, more informed decisions.

 
Myth #1: “The cheapest plan is always the best.”

Sounds good on paper, right? But here’s the catch:

✅ Low premiums often mean higher deductibles and fewer covered services.

✅ A "cheap" plan can cost you more in the long run if you actually need care.

💬 Real Talk:
A client once said to me, “Rod, I grabbed the cheapest plan... now I’ve got a $7,000 hospital bill.” 😳
Yeah, that “cheap” plan didn’t look so good after an ER visit. Spending a little more each month could’ve saved them thousands.

📌 Lesson: Don’t just shop by price - shop by protection.

Myth #2: “I’m young and healthy, so I don’t need coverage.

If I had a dollar for every time I heard this… I could pay off someone’s ER bill. 😅

✅ Accidents happen - one ER visit can cost thousands without insurance.

✅ Even a short hospital stay can put you into medical debt for years.

💬 Real Talk:
I worked with a 27-year-old who thought they were invincible… until a bike crash said otherwise. A broken leg and a quick hospital stay later, they were staring at a $15,000 bill. With insurance? A couple hundred bucks. Tops.

📌 Lesson: Youth is cool, but coverage is cooler.

Myth #3: “Employer-sponsored insurance is always better.

Not necessarily.

✅ Employer plans aren’t always the most cost-effective for individuals.

✅ Private plans can sometimes offer better coverage at lower costs.

💬 Real Talk:
One of my clients was shelling out $500+ a month for their job’s plan. We shopped around and found a private plan with better coverage - for $150 less. That’s groceries, gas, or way better coffee. ☕💸

📌 Lesson: Don’t assume. Compare.

📢 Ready to Find the Right Plan for You?

Health insurance isn’t one-size-fits-all—and believing the wrong myths can seriously cost you. If you’re not 100% sure your current plan is the right fit, it’s time to take a closer look.

Want to make smarter, money-saving choices?

Download my free guide: “Top 5 Benefits of Choosing a Nationwide PPO Plan”- you’ll learn how this type of plan can save you money, expand your options, and give you peace of mind no matter where life takes you.

Click here to download it - free and packed with tips you can use immediately!

Still have questions?

Shoot me a message - let’s talk through it. I’ll walk you through it with no pressure, just real advice.