I started comparing health insurance bills with friends at dinner and discovered they’re all being quietly robbed…
It began as a casual conversation over appetizers.
“How much are you paying for health insurance these days?” someone asked.
What followed was a collective gasp as they each shared their monthly premiums. Despite having similar coverage, some of us were paying nearly double what others paid. Even more surprising? None of them could explain why.
That dinner conversation sparked a personal investigation because of my current role at ABC Insurance Group, where I help Americans under 65 stop overpaying for health insurance every day. What I discovered was both infuriating and empowering.
The truth is, most people under 65 are unknowingly overpaying for health insurance by 30–60%, and it has nothing to do with the actual care they need.
The Hidden Tax on Your Healthcare
Think about the last time you purchased health insurance. Did you feel confident that you were getting the best value? Or did you simply accept whatever options were presented—assuming all health insurance is expensive?
If you’re like most people, you likely felt confused, resigned, and maybe even a little resentful as you selected your plan.
That’s by design.
The health insurance industry thrives on confusion. The more uncertain you are, the less likely you are to spot how much you’re overpaying. It’s a system built to benefit from your lack of clarity.
The Seven Reasons You’re Paying Too Much
After helping hundreds of Americans uncover smarter, more affordable coverage at ABC Insurance Group, here are the seven most common—and surprising—reasons most people overpay:
1. The “One-Size-Fits-All” Trap
Most employer and marketplace plans are designed for the average person, not you. They bundle in services you’ll never use along with the ones you actually need. It’s like being forced to buy a 12-course meal when all you wanted was the entrée.
2. The Artificial Marketplace Limitation
Many people assume their only options are through their employer or the ACA marketplace. But there’s an entire ecosystem of private under 65 health insurance options offering better rates and greater flexibility.
3. The Annual Enrollment Prison
Restricting plan changes to specific enrollment periods locks you into potentially overpriced coverage for an entire year. This arbitrary system benefits insurance companies—not consumers.
4. The Network Illusion
You may be paying for a wide-network plan, yet only visiting one or two local providers. That’s like paying for unlimited international calling when you only call your mom across town.
5. The Fear Tax
Health fears drive emotional decisions. Many people overpay for plans they’ll never fully use simply because they’re scared. Insurance companies know this—and they exploit it.
6. The Subsidy Misconception
If you don’t qualify for large ACA subsidies, you may believe you have to pay full retail price. That’s simply not true. Under 65 private plan options often provide better value without relying on government assistance.
7. The Loyalty Penalty
In health insurance, staying loyal rarely pays off. Insurers often offer better deals to new customers and count on you not shopping around—raising your rates year after year.
Breaking Free from Overpayment
The good news? Once you understand how the system works, you can beat it.
At ABC Insurance Group, we’ve developed a process that helps people escape the overpayment trap and find the right-sized coverage:
Step 1: Understand Your Actual Healthcare Needs
Have you ever truly reviewed how you use healthcare? Our licensed agents help you assess:
- How often do you see doctors
- Whether you regularly take prescriptions
- If you need access to specific specialists
Real usage—not fear—is the starting point for smarter coverage.
Step 2: Explore the Full Spectrum of Options
There’s far more out there than you’ve been shown. We guide you through:
- Private under 65 insurance plans
- Health sharing programs
- Customized coverage bundles
Many of these deliver better protection at significantly lower monthly costs.
Step 3: Match Coverage to Your Life, Not the Calendar
Your health plan should evolve with you—not restrict you to one week a year. Certain solutions offer year-round enrollment and flexible coverage adjustments.
Step 4: Prioritize Value Over Fear
We help you shift from fear-based decisions to data-backed choices. True peace of mind comes from protection you understand—not overpriced premiums driven by uncertainty.
The Path Forward: Personalized Protection
The current system is designed to maximize profits by keeping you confused and limited.
At ABC Insurance Group, we do the opposite.
Work one-on-one with our licensed agents to find plans that reflect your needs, your usage patterns, and your financial goals—often saving our clients 30–60% compared to their previous plans.
This isn’t about cutting corners. It’s about cutting out what you don’t need, while keeping or improving the protection you do.
Take Back Control of Your Healthcare Costs
Your health insurance should protect both your health and your wallet. It should offer peace of mind without breaking the bank.
If you’ve ever looked at your premiums and thought, “This seems way too high,” you’re probably right.
And you’re definitely not alone.
Our licensed agents at ABC Insurance Group are here to show you what’s possible when you stop playing by the insurance industry’s rules.
Call (833) 810-5029 today to learn how much you might be overpaying—and what we can do to help.
Because when it comes to health insurance, what you don’t know is definitely costing you.
