Health Insurance, Medical Bills, and Health Sharing
A medical bill is the biggest money leak most families have. It's a money problem wearing a lab coat. These posts explain how the system actually works, how to pay less for care, and what health sharing is (my family of four uses CrowdHealth, and I'll always tell you its honest limits).
16 posts, newest first
What a Care Advocate Actually Does
A care advocate is a real person who negotiates your medical bills down before the crowd funds them. Here's what they actually do, and the honest limits.
Health Sharing: Myths vs. Facts
Health sharing myths vs. facts: it's not insurance, it has funded 45,000+ bills, its limits are stated not hidden, and it fits more people than you'd think.
Switching to Health Sharing: What the First 90 Days Look Like
The first 90 days of health sharing: set aside $500, read the rules, sign up and overlap your old plan, meet your care advocate, then a quiet monthly rhythm.
How a Big Hospital Bill Gets Paid Without Insurance
How does a six-figure hospital bill get paid without insurance? You cover $500, the bill gets negotiated down, and the community funds the rest in about a week.
Can You Trust Health Sharing With a Big Bill?
Can you trust health sharing with a big medical bill? The community has funded 45,000+ bills, but it's not insurance. Here's the honest trust check.
What Health Sharing Actually Costs Each Month
What does health sharing cost? A flat $60/month per person plus $500 per health event, not a premium and a deductible. Here's the honest math.
What an HSA Actually Is (and Who It's For)
What is an HSA? A health savings jar the tax man doesn't touch: money in untaxed, out untaxed for health costs, and it rolls over. Needs a high-deductible plan.
Who Health Sharing Is Wrong For
Health sharing is wrong for you if you have ongoing medical needs, need a legal guarantee that bills get paid, or can't keep $500 set aside. The honest test.
Health Sharing vs. Insurance: The Honest Trade-offs
Health sharing vs. insurance, pros and cons laid side by side. Cost, the legal guarantee, what's covered, and the incentive, explained plainly with a potluck.
Health Insurance's Built-In Conflict of Interest
Do insurers want to deny claims? They earn more when they pay out less. That built-in conflict of interest, explained with a referee paid by one team.
What a Deductible Really Means (No Jargon)
What is a deductible? The part of a medical bill you pay before insurance pays anything. Premium, copay, and out-of-pocket max explained plainly too.
The $500 Question: How One Health Event Gets Paid
How does health sharing actually pay a big medical bill? You cover the first $500, the bill gets negotiated down, and the crowd covers the rest. Here's how.
Why the Same Blood Test Costs $30 or $300
The same blood test can cost $30 or $300. Here's why, in plain English, and three simple ways to make sure you pay the lower price.
Why You Got a Big Bill With Insurance
You have health insurance and still got a big bill. Here's why, in plain English: the deductible, coinsurance, and network rules that make you pay first.
What Is Health Sharing? An Honest Plain-English Guide
Health sharing is regular people paying each other's big medical bills instead of an insurance company. Here's how it really works, and who it's wrong for.
Nobody Gets Paid to Make You Well
You pay for health insurance every month and still get billed. Here's the simple money reason the system profits from managing sickness, not curing it.