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Healthcare Sharing vs. Insurance: Which Saves You More?

Beyond Budgets Podcast

In this episode of Beyond Budgets®, Deb shares a personal story that hits home—navigating the unexpected cost of her son's surgery, even with insurance. That real-life experience opens the door to a bigger conversation: what are your options when traditional health insurance doesn't fit? Whether you're between jobs, self-employed, or considering early retirement, Deb breaks down: * What healthcare sharing plans really are—and what they're not * The trade-offs of COBRA vs. marketplace insurance * Why premiums have jumped 47% over the last decade * What to know about pre-existing conditions, preventive care, and reimbursement delays * Her own experience using MediShare during a family sabbatical Plus, Deb dives into smart open enrollment decisions for those with traditional employer plans—HSA vs. FSA, high-deductible plans, and avoiding costly dental surprises (hello, braces). This is a must-listen if you're: * Self-employed and unsure about your healthcare options * In between jobs and overwhelmed by COBRA costs * Comparing insurance during open enrollment Episode Highlights (04:56) Understanding Healthcare Cost-Sharing Plans (13:39) Healthcare Sharing Plans vs. Traditional Insurance (19:48) Benefits of High Deductible Health Plans (22:25) Financial Planning for Orthodontic Costs Resources * Deb's blog post on Healthcare Sharing Plans * Healthcare Sharing Plan Providers: Medi-Share, Liberty HealthShare, Christian Healthcare Ministries, Samaritan Ministries, Solidarity HealthShare Connect with Deb Meyer Subscribe to our YouTube Channel Download your Free Resource Website