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Health Insurance is TOO EXPENSIVE. Try This Instead.
11/14/25 - Friday

Hey Friends!
We’ve been sold this lie in personal finance about the “big 3” expenses, when in reality, we think it’s actually the Big 4: housing, transportation, food, AND HEALTHCARE!
Paying for health insurance can feel like adding a second rent payment.
Rising premiums, surprise bills, and confusing coverage, it’s no wonder so many people asking if there’s a better way.
And for some there is!
Try this instead:
A healthcare sharing plan like HSA for America, which helps individuals, families, and the self-employed find healthcare sharing plans that still allow you to have & utilize a Health Savings Account (HSA).
That means you can still enjoy the tax benefits of an HSA without paying ultra-high premiums.
Both Jen and I use healthcare sharing plans, and we love them for these reasons:
Lower monthly costs: healthcare sharing plans often cost 30–50% less than standard insurance
You can keep your HSA perks: contribute pre-tax dollars and grow savings for medical expenses
Flexible coverage: choose plans that fit your needs, not a one-size-fits-all option
Personal guidance: get help comparing plans that actually make sense for your life
We know healthcare sharing isn’t for everyone, but it’s a great solution for many.
On the Pod
This week, we read some horror stories from the r/personalfinance subreddit. Listen in and let us know what you think in the comments!
🏆 One Action for the Weekend
Grab our Annual Finance Planner! It’s designed to help you check in on all the key areas of your finances over the year, from home maintenance and auto costs, to bills, entertainment, and more.
By working through it on a manageable timeline, you’ll spot opportunities to save across the board and take small, concrete steps toward less financial stress.


Who do you usually go to first for medical advice? |
Warmly,
Jill

**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.
