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

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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.