The Doctrine
Straightforward insights on health insurance, market trends, and strategies for the healthy and self-employed.
Worst-Case Scenario: How Private Stacks Handle Major Bills
Critics say private insurance fails when you really need it. Let's run the numbers on a $150,000 hospital bill and see how stacked coverage actually performs.
The Network Trap: Why Your Local HMO is Costing You More
HMO plans promise lower costs through managed care. But for many healthy people, the restrictions cost more than they save. Here's the math they don't show you.
The Hidden Audit: How to Tell if You Are Over-Insured
Most people never question their coverage levels. But paying for protection you don't need is just as costly as being underinsured. Here's how to audit yourself.
Stacking Private Plan Options to Create Coverage That Works for Your Unique Situation
Why rely on one expensive policy when strategic layering of coverage can provide better protection at lower cost? Here's how the stacking strategy works.
Overview of Accident & Medical Expense Plans
Accident and medical expense plans provide first-dollar coverage for unexpected injuries and illnesses. Learn how these plans complement your primary coverage.
Overview of Fixed Indemnity Plans
Fixed indemnity plans pay you directly—a set dollar amount for each medical event. Understand how this unique structure creates predictable, flexible coverage.
Overview of Short-Term PPO Plans
Short-term PPO plans offer flexible, affordable coverage with nationwide networks. Learn how they work, what they cover, and who they're best suited for.
Why Private Plans Aren't Widely Available or Marketed
You've probably never seen an ad for private health insurance. That's by design. Here's why these plans fly under the radar—and why that might be changing.
Why the ACA Is Expensive for Healthy People
The Affordable Care Act was designed with good intentions, but its structure creates a hidden tax on the healthy. Understanding this dynamic is the first step to finding better options.
The Stacking Strategy: Building Complete Coverage
Why rely on one expensive policy when strategic layering of coverage can provide better protection at lower cost? Here's how the stacking strategy works.
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