Healthcare Independence

The healthcare system was built for someone else.

Roadmap to leaving your commercial insurance behind and just paying for the medical care you need.

A practical roadmap to leaving commercial insurance behind. For executives, business owners, and professionals ready to pay for the care they actually use instead of subsidizing a system designed around someone else's life.

The problem

If you're paying more than $1,000 a month, here's what's happening.

The math is brutal once you look at it. A healthy 45-year-old in California pays around $16,800 a year for unsubsidized coverage. The actual healthcare most healthy adults consume two physicals, a few sick visits, the occasional procedure which costs under $2,000.

$16,800

Average annual cost of unsubsidized commercial insurance for a healthy 45-year-old in California

The other $15,000 isn't wasted. It pays for the administrative machinery, the cross-subsidization of higher-cost patients, the negotiated discounts that don't apply to you and the for profit commercial insurance systems. That's not the world you live in. And there's a better architecture available.

The contrast

The same protection at a fraction of the cost.

Reference case: a healthy 45-year-old California professional moving from employer-sponsored insurance to the alternative architecture.

Commercial insurance

$1,400

per month

Alternative architecture

$565

per month

$50,100 saved over five years. Younger clients save less in absolute dollars; families and older clients typically save more.