Learn how I saved thousands of dollars on healthcare coverage for my family, and still met their healthcare needs by performing just 20 hours of research.

1. www.affordablecarecoach.com

2. 20 hours Research = $10,000 Savings on Health Insurance
"If I'm honest with myself, I spend more time planning a weekend getaway than
I've spent managing my healthcare expenses."
My 2016 Out of Pocket estimate was:
$15,000 (Premium) + $13,700 (Deductible) = $28,700 Total Out
Average cost of
healthcare coverage for
a family of 4 in the U.S.
=

3. Faced with spending more time and $$ figuring out Obamacare, I knew I had to
find another way. One look at this chart, and you can see why I chose another
path. THIS mess is Obamacare:
U.S. House Democrats’ Health Plan

4. How I got started down this road to
affordable healthcare
● Twenty hours is a huge chunk of anybody's week, but I had to either take the
time and attempt to reduce my health insurance or take out a second
mortgage on my house.
● The pain of a $1,256 a month insurance bill was just more than I could bear.
Add on college expenses for 2 kids, house payments, car payments,
insurance for my car, house, and business, plus living expenses. Needless to
say, I was drowning.
So I knew I needed to take a much closer look at what we were spending on healthcare & why...

5. So we started working through the process...
We set priorities, based on the following:
1. What did we spend over the last 12 months on health care
2. What did we spend on insurance premiums?
3. What did we spend on medical and dental expenses?
4. What is our projected spending over the next 12 months?
Now it was time for us to check in with our doctors to see what they had to say...

7. Once we agreed, we contacted our doctors with a number of
questions:
Our questions included:
1. Who is the go-to person for insurance and billing questions? Do they respond
to email? Are they helpful and knowledgeable?
2. What Insurance / Network do they like or prefer. Any horror stories from their
patients?
3. Do they have a self -pay / cash pay program?
4. Do you have any wellness or preventative appointments that will occur this
year?
But the details are what will save you money over time…

8. Questions for our doctors, con’t:
And this last one is really important, because it will help you track your costs, and
ensure you are being billed correctly and properly:
5. Will they send you a “pre-bill” of the proposed visit with procedures, service
codes, and CPT¹ codes?
¹The Current Procedural Terminology (CPT) code set
is a medical code set maintained by the American
Medical Association through the CPT Editorial Panel.

9. I also recommend checking out group share plans
as an option
I discovered group sharing plans--health care sharing ministries (HCSMs) during
the course of my research, and opted to sign up with Medi-Share, which is part of
the Christian Care Ministry.
The sharing plan and benefits they provide my family have been working out well
for us so far.

10. I set out to find out if I had any other options for my family's healthcare
expenses.
I cut my insurance bill by over 70%.

11. There are other Health Care Sharing Ministries
Other Health Care Sharing Ministries (HCSMs) include:
1. Samaritan Ministries
2. Christian Healthcare Ministries
3. Liberty HealthShare
The overarching concept is similar, they all share in their own unique ways, and
their plans differ, but they are recognized by the Affordable Care Act (ACA) and
can save you some money.

12. HCSM’s were grandfathered into Obamacare

13. The Affordable Care Coach Healthcare
Planner Worksheet
My healthcare planner worksheet can be yours free of charge, all you need to do is
check out my blog post on the AffordableCareCoach.com to sign up and download
the planner.
The worksheet will help you get organized, collect information, and make some
clear, logical decisions about your family’s healthcare coverage.

15. What if I'd invested 20 hours 5 years ago
I might have an additional $50,000 in the bank. Which begs the question, what would that $50K be worth 20
years from now if I had invested it and gotten a 7% return - $200K? 300K?

16. Now that you’ve started, why not keep on saving?
Hopefully this post will inspire you to take control of your family’s healthcare costs
and financial future. Why stop now? Check out the Affordable Care Coach today,
join the community, and begin sharing in our collective strength and wisdom.