If you’re over 40, chances are your health insurance premiums have been creeping higher each year—even if your health hasn’t changed. Many people assume that rising costs are just a part of aging, but the truth is, most adults over 40 are paying more than they need to for coverage that doesn’t actually work for them.
Here’s why: Many traditional plans price premiums based on age brackets, not individual needs or actual usage. That means you could be healthy, active, and rarely visit the doctor—yet still be locked into a plan that offers minimal benefits and maximum costs.
What most people don’t realize is that there are alternative health coverage options that may offer:
- Nationwide access to providers
- More comprehensive benefits
- Lower deductibles and out-of-pocket costs
- A premium structure that reflects your lifestyle, not just your age
These options are especially beneficial for self-employed professionals, entrepreneurs, and those looking to take more control over their personal or family coverage.
You don’t have to settle for the standard plan that shows up on a comparison site. There are ways to customize your coverage while reducing what you spend.
If you’d like help exploring your options and guidance on choosing the right health insurance for your needs, we’re here to make it simple. Call or text us at 813-761-2836 or email team@rwealthgroup.com—we’re happy to help you find a plan that fits both your lifestyle and your budget.
Reference:
Kaiser Family Foundation (KFF). “How Age Affects Health Insurance Premiums Under the ACA.”
https://www.kff.org/health-reform/issue-brief/how-affordable-care-act-ratings-vary-by-age/