By Stacy Mays
Right Between the Eyes. We need to talk about the real cost of “coverage.”
I’ve spent 30 years building and fixing health-benefit programs… and this still hits me in the gut:
🔹 50% of Americans spend < $1,300 a year on healthcare services
🔹 90% spend < $17,000
🔹 But the average individual premium? ~$9,000
🔹 And average out-of-pocket costs? ~$3,200
Most people are paying far more for insurance than they spend on actual care.
Here’s the thought experiment I can’t unsee:
What if your employer put $7,500/year directly into your HSA…
you paid routine care in cash…
and you carried catastrophic coverage for anything over ~$20,000?
For half the country, that’s not risky — it’s rational.
📌 Would you take that deal?
📌 Why or why not?
Clarity is coming for Cash + Catastrophic Coverage™.
And the numbers speak louder than the politics.
