Start by reconsidering the core purpose of health insurance. Do you expect it to cover every healthcare expense you face? If so, such a plan is available but comes with a high premium. Alternatively, think of health insurance like auto insurance. Just as drivers don’t expect auto insurance to cover routine expenses like fuel or oil changes, why should we expect health insurance to cover primary care, which is relatively low-cost compared to other medical expenses?

When reviewing your health insurance options, consider switching to a high-deductible plan. The savings from this switch might be enough to cover the cost of a Radiant Health Direct Primary Care membership. This membership provides free primary care visits and discounts on labs and medications. At the same time, the high-deductible plan will still offer coverage for major, unexpected events like accidents or hospitalizations.

You might also look into health sharing ministries such as Medi-Share, Samaritan Ministries, Sedera Health, or Liberty Healthshare. While these are not insurance, they work similarly by having members pay a monthly contribution to help cover others’ medical costs. Each program has different features, so review their details on their websites or consult with a representative to find the best option for your situation.

Medicare enrollees should continue with Medicare Part A and Part B, as these cover most of your medical expenses, aside from any deductibles or co-pays.

Supplemental plans are meant to cover the portion of “Medicare-approved” expenses that you’re responsible for. However, some people find they are paying high premiums for relatively minor medical costs. It might be worthwhile to discuss with your financial or insurance advisor whether dropping the supplemental plan could be a better option, allowing you to use those funds for unlimited primary care access at Radiant Health Direct Primary Care.

It is best for individuals without insurance coverage to consider obtaining a high-deductible insurance plan or joining a health sharing ministry program for catastrophic event coverage.  Combining this with a Radiant Health Direct Primary Care membership will then provide comprehensive primary care coverage, including access to discounted labs and medications.

Direct Primary Care is an excellent choice for small business owners looking to offer a medical benefit to their employees without the high costs of traditional insurance premiums. Employers have the flexibility to cover part or all of the employee’s monthly membership fee.