Are You Like my Dad or my Grandma When Choosing Health Insurance?

Pam Morton • February 15, 2025

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When people ask me which health insurance plan to choose, my answer is always: “It depends on your needs and budget.”


Take my Grandma and Dad, for example—they have very different priorities:


👵 Grandma’s Approach:
✔ Healthy lifestyle, rarely visits the doctor
✔ Prefers
low monthly premiums with higher out-of-pocket costs
✔ Can afford occasional medical bills if needed


👨 Dad’s Approach:
✔ On a tight budget, wants predictable costs
✔ Prefers
higher monthly premiums to keep doctor visits & hospital bills low
✔ Wants minimal surprise expenses


So, which one are you?


When choosing a health plan, consider:


✅ What you can afford
monthly
✅ What you can handle in
worst-case scenarios
✅ Your expected healthcare needs


Good News!


✔ Every year, your out-of-pocket max resets
✔ ACA-compliant plans have
unlimited lifetime benefits


Still unsure? We’re here to help!


📞 Call: 415-524-8959
📧 Email:
pamm@benefitsbydesignca.com
🌐 Visit:
www.benefitsbydesignca.com


Benefits by Design Insurance Services—Helping individuals & businesses find the right coverage, including health, Medicare, life insurance, dental insurance, vision insurance, and travel insurance.

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