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Insurdinary is on a Mission to Make Healthcare
Affordable for All

Healthcare costs are on the rise, and these costs are the highest in the United States, Germany, Netherlands and Scandanavia. With the United States topping the list, the average spend per person per year is $12,318 on healthcare related costs. This is more than 40% more than anywhere else in the world.

To add insult to injury, dozens of other countries, including Canada, offer universal health coverage. This system provides health services to those in need without undue financial hardship. While not necessarily “free,” a universal health coverage system ensures that everyone can access essential health services, including:
  • Preventative health maintenance
  • Treatment for illnesses, diseases, and chronic conditions
  • Rehabilitation services (including physical therapy)
  • Palliative care (specialized services for conditions like cancer or heart failure)
People rely on health insurance plans to keep costs low and provide peace of mind in the event of a health crisis. Unfortunately, the typical health insurance plan is far from affordable. On average, Americans pay $456 per person for coverage, and $1,152 per family. Further, these prices are only going up. In Germany, the average cost of healthcare per year is also quite high at $7,383 per year and Norwegians are paying a whopping $500 per month on average.

Add the challenge of an illness or emergency, and the stakes go up exponentially. According to MIT Medical, an American publication, a broken leg can cost you $7,500, and a hospital stay of just a few days can carry a price tag of $30,000 or more.

Without insurance, these large sums can wipe out savings and even lead to bankruptcy. It’s no wonder that medical bills take the number one spot on the list of causes for filing bankruptcy in the United States, along with many other countries.

Insurdinary aims to provide solutions that give you access to health insurance that fits your family’s needs without breaking the bank.
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How the Health Care System Works

Unlike countries with universal health coverage and a government-guided and funded model, there are various stakeholders in privately run healthcare systems and each of them are seeking a piece of the proverbial pie.

Unfortunately, these competing stakeholders drive up the cost of insurance for the rest of us without providing any noticeable increase in health outcomes. While most industrialized nations can boast that nearly 100% of the population has health insurance, there are still many countries on the planet that can’t say the same, unfortunately not even close.
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3 Easy Steps to a Great Healthcare Plan

Health insurance protects you and your family from financial hardship in the case of medical issues or a medical emergency.

With Insurdinary, you can compare health insurance quotes online with ease.
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1. Fill Up a Form

Answer a few basic questions, and submit the health insurance quote request.
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2. Compare Quotes

Insurdinary provides you a list of health plans that meet your requirements from the leading insurance providers and compare.
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3. Review and Apply

Once you’ve finalized your options, you can talk to our agents and get the best rates or apply online. It’s fast, simple, and free!

6 Reasons Why Healthcare Is So Expensive

Paying out of pocket for healthcare is a fast path to financial disaster, making health insurance a necessity.

Because Insurdinary scours every available policy from a network of providers and matches you with the right one for your needs, we are able to keep healthcare relatively affordable.

But why is healthcare so expensive in the first place?
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Here are the reasons below:

The paper trail is complex

Having so many stakeholders in a private system adds an expensive layer of administrative complexity that gets passed down to consumers.

Prescription drug costs are on the rise

While other countries regulate these prices, countries like the U.S. have been reluctant to instill widespread regulation, making our drug costs 256% higher than other places.

Medical salaries are high

Doctors and nurses are valuable members of society, and their paychecks reflect this value. Doctors have an average salary of $214,370 per year, and specialists make an average of $316,000 annually.

Both for-profit and non-profit hospitals are expensive

Many people are surprised to find that costs at non-profit hospitals are often just as high as their for-profit counterparts, thanks to lobbying efforts, administrative waste, and massive executive salaries.

Doctors tend to order costly tests

Doctors are afraid of being sued for failing to diagnose a critical illness. As a result, they tend to play it safe by ordering more tests and scans than necessary, which is expensive!

The free market is unpredictable

Because there is not a universal system of healthcare, costs are based on what the market will bear.

Do You Need Health Insurance?

The short answer is yes! Given the rising cost of healthcare in the United States and a gap in government-sponsored options, not having health insurance is a lot like flying without a parachute. It’s risky business!

You’re probably thinking of some reasons why you might not need insurance, and that’s understandable. After all, insurance is another expense that has to be budgeted. The alternatives, however, have the potential to be exponentially more expensive.

Let’s explore four reasons why you absolutely need health insurance in the United States.

Insurance Might Be Required by Law

In some countries, having a private healthcare plan is required by law, in the US, some states that require health insurance coverage are:
  • California
  • Massachusetts
  • New Jersey
  • Rhode Island
  • Vermont
Washington, D.C. is also on the list, and a number of states are actively working to pass legislation that would make insurance mandatory.

Over in Europe, some countries also have mandatory private health insurance requirements. For example, people who live in the Netherlands and Switzerland must purchase health insurance policies from private firms; albeit from a regulated, but competitive market.

Paying Out-of-Pocket is Expensive

Given the high costs of medical services and prescription drugs, being on the hook for 100% of the cost of medical care can be prohibitively expensive.

If disaster strikes, like an accident, serious illness, or a disease like cancer affects you or a family member, medical bills can creep into the six-figures.

Very few people are in a position to pay out-of-pocket for circumstances like these. Further, it’s completely unnecessary when insurance coverage is easily available!

Paying out-of-pocket also deprives consumers of the bargaining power that insurance companies have with hospitals and other providers. Traditionally, insurance companies can negotiate for lower rates that are not available to self-pay patients.

Insurance Encourages Preventative Care

When you pay out of pocket for every medical service, it’s natural to view preventative care as an unnecessary expense.

Many health insurance plans include checkups, screenings, and vaccines at no additional cost. The rationale is that if you monitor your health and work to prevent illness, you can avoid more serious (and expensive) health issues down the road.

Without insurance, you could end up foregoing these essential services while diseases like cancer, diabetes, and high cholesterol remain undetected and unchecked.

Insurance Gives You Peace of Mind

Everyone wants to live life to the fullest, right? We want to go on adventures, explore new places, and enjoy hobbies.

Many people without insurance are hesitant to make the world their oyster for fear of getting sick or injured and not having the means to pay the medical bills if the worst-case scenario happens.

Not only that, but people without health insurance are at risk every day of encountering an accident or illness that renders them financially vulnerable.

Even though insurance (for most people) isn’t free, it’s almost always cheaper than paying out-of-pocket every time you go to the doctor. And the peace of mind is priceless.

Choosing the Right Health Insurance Plan

When choosing insurance, for example, Americans have the following options, which vary based on eligibility:
  • Employer-sponsored health insurance
  • Private health insurance (including fee-for-service, HMOs, and PPOs)
  • Medicare
  • Medicaid
  • Children’s Health Insurance Program (SCHIP)
  • Veteran’s Benefits
Many people also find the need to carry two or more health insurance plans to “stack” coverage. This means that one insurance provider is tasked as the primary payer, and a second policy kicks in to help cover expenses that the first policy doesn’t. Whatever is left over will be paid by the insured out of pocket.
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Choose the Right Benefits for You & Your Family

Not sure what benefits you need and what you can live without? Lifestyle needs, your phase in life, and cost can play a major role in this decision-making process, and it’s not always easy to make the right call. This is especially true when you’re presented with a dizzying array of options.

At Insurdinary, we help simplify this choice by presenting you with options that prioritize what you need so that you can get ample coverage without paying for extra, irrelevant benefits. Compare health insurance online to get the benefits you and your family need.
Get coverage for:
Prescription Medications
Dental
Medical Equipment
Eyewear and Exams
Travel Coverage
Medical Specialists
Hospital Visits
Physical Therapy
Ambulance
Preventative Care
And More...
Depending on the insurance provider, additional benefits may also be available. Compare health insurance quotes online and get the coverage you and your loved ones need.
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How to Choose and Customize the Right Insurance Plan?

Insurdinary gives you an in-depth look into the various options available to you, and we make it easy for you to make the right choice. That being said, buying health insurance is a major life decision, and we don’t recommend taking it lightly. To help you navigate the choices, we’ve outlined the most critical aspects to consider in selecting the right insurance coverage.

How Costs Are Calculated?

Health insurance is highly personal, and no two policies are exactly the same. One person may pay a few hundred dollars per month for insurance, while someone else could pay thousands.

The most common cost considerations include the following:
  • The health insurance provider
  • Your age
  • Family members
  • Where you live
  • Lifestyle factors (including tobacco use)
  • Income (if purchasing through Marketplace)
  • Whether you plan to bundle coverage
  • Deductibles
  • Amount of coverage
Insurance companies use actuarial tables that help them predict how much it will cost to provide you insurance while still making a profit. Because each insurance company has its own risk analysis framework, there can be massive differences in cost between two companies, even if the plans are nearly identical.

Because each insurance company has its own risk analysis framework, there can be massive differences in cost between two companies, even if the plans are nearly identical.

How Deductibles Work?

Every insurance plan will have a specified deductible. This is the amount you will pay each year before your insurance coverage begins to help cover expenses.

You can have a deductible as low as $0, or your deductible can be well into the thousands of dollars. For individuals, the average deductible is $4,364. Family coverage has an average deductible of $8,439. Typically, the lower your deductible, the higher your insurance premium, and vice versa.

Available Cost-Sharing Options

Cost-sharing options involve splitting the cost of care and treatment with your insurance company. Cost-sharing comes in two different forms:
  • Copayments
  • Coinsurance
Copayments are fixed amounts that you pay each time you go to the doctor. For example, if a doctor visit is $200, you might have a “copay” of $40. This means that your insurance pays for $160 of your visit. If you haven’t met your deductible, you will pay the total amount of the visit until the deductible threshold is met.

Coinsurance is similar to copayments, but it’s based on a percentage rather than a flat fee. Again, coinsurance applies once you’ve reached your deductible. Each plan has a different coinsurance percentage. As an example, if your plan has a 25% coinsurance, you would pay 25% of the $200 doctor visit (or $50).

How to Find Affordable Plans?

The trick to finding an affordable health insurance plan is to make sure that you compare multiple quotes. Going to a single company and signing up for a plan on the spot is a recipe for disaster. You are very likely to end up with subpar coverage at a premium price.

While it might seem simple to go with the first option you find, you are at a distinct disadvantage because you don’t know what else is out there.

The best way to find an affordable plan is to compare quotes with Insurdinary. We deliver customized insurance quotes from top providers directly to your inbox in as little as a few minutes.

How to Keep Insurance Costs Low?

There’s no question that health insurance is a significant investment, but there are several tips we’ve uncovered to keep your costs as low as possible.
As an example, if you are in the United States, you could:

Check Medicare and Medicaid eligibility

Elderly, low income, and disabled persons may be eligible for these programs at low or no cost.

Choose a high deductible plan

A higher deductible reduces the risk to the insurance company, resulting in lower premiums.

Start a Health Savings Account (HSA)

An HSA is a savings account that you fund with pre-tax income. It’s like saving for a rainy day and shielding some income from Uncle Sam.

Choose an HMO

Of all the private insurance plan options, HMOs tend to be the least expensive without sacrificing coverage.

Make healthy lifestyle choices

Some plans give discounts to people in good health and non-smokers.

Health Insurance FAQs

We understand the importance of making the right decision when it comes to healthcare coverage for you and your family. We’ve answered the most frequently asked questions about health insurance here.

How do I know if I’ve chosen the right health insurance plan?

There are a lot of health insurance companies out there, and they all offer different benefits at varying price points. It can sometimes feel like you’re taking a shot in the dark and praying for the best. The key to making the right choice is to consider two factors:
  • Purchasing enough coverage that gives you peace of mind
  • Ensuring that your coverage is affordable
Because Insurdinary allows you to compare options side-by-side, families can be confident that they’ve made the right choice for their lifestyle and budget!

What does health insurance cover?

The good news is that you get to decide what your health insurance covers! Though benefits vary by provider, you’ll have a list of options to choose from, including vision, dental, prescriptions, medical equipment, travel insurance, and more. Insurdinary helps you balance coverage options and see how your premiums go up or down, depending on the benefits you need.

Are there any tricks to saving money on health insurance?

Yes, absolutely! You can avoid sticker shock by following these three cost-saving tips:
  • Compare rates: Don’t be afraid to shop around before making a final selection. Insurdinary makes this easy by allowing you to compare rates in one place.
  • Ask for discounts: Your insurance company may offer discounts based on seasonal promotions or other lifestyle factors. Make sure you ask what discounts and special offers are available.
  • Bundle your coverage: If you purchase insurance through a company that provides more than just healthcare coverage, you could get generous discounts by bundling policies with the same company.

How long does it take to get my health insurance quotes from Insurdinary?

Once you fill out a short questionnaire, you’ll get health insurance quotes from top providers in just a few minutes!
Get affordable health insurance coverage that takes care of you and your family’s medical needs. When you compare quotes online, you can customize your policy so that it’s a perfect fit.
No deposit necessary  •  Only pay when you sign up for a policy  •  No added fees
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