Who Needs DHI?

Everyone!

Research shows that only about half of Americans have employer-sponsored group health insurance, while the rest have individual insurance, other types of group insurance (like Medicare and Medicaid), or are uninsured. A full 20% of the U.S. workforce consists of contract and gig workers. Freelance, self-employed, and part-time jobs rarely provide health insurance.

Most people spend more than they should on health care because they don’t understand how insurance works – even those who have individual or group coverage. For example, going outside your network for care can cost twice as much as going to an in-network doctor, medical, or testing facility. Also, many Americans don’t realize that some hospital bills are negotiable. It is tragic that in the country, too many patients skip needed tests and medications because they don’t understand coverage costs and the various options health insurance companies provide. It is no surprise to anyone that foregoing necessary health care can lead to health problems. And when patients need higher-cost care or have a chronic condition that requires regular treatment, they often end up in long-term, debilitating debt.

The simple act of becoming “health insurance literate” – that is, understanding the language used by health insurance companies – can save the average American hundreds or thousands of dollars in costs, fees, and penalties every year.

Meet Lee

Lee is a self-employed, small business owner. He also has a family to insure and is not old enough for Medicare. So Lee needs individual health insurance. When Lee turned to Google to find answers to his health care coverage concerns, he could not find reliable or fact-based answers.

Then he discovered Decoding Health Insurance.

Meet Roberto

After Roberto recently quit his job, he considered paying out-of-pocket for insurance through COBRA, but the monthly cost was too high. So he looked into enrolling in a non-comprehensive health plan, instead.

Decoding Health Insurance empowered Roberto to make informed decisions about his health insurance options.

Meet Julie

Julie is a freelancer in the gig economy. When a spinal injury and the pandemic put a major dent in Julie’s income, she didn’t earn enough to buy insurance. Because she lives in a state that has not expanded Medicaid, Julie found herself in the coverage gap. Julie researched health care options for people without insurance.

Then she discovered her options through Decoding Health Insurance.

Meet Betty

Betty recently became a caretaker for her disabled mom after she suffered a stroke.

With Decoding Health Insurance, Betty learned about government health programs that her mother qualifies for. Additionally, becoming health insurance literate led the way for Betty to save money on her own health care coverage needs.

Meet Luis

Luis has health insurance from his employer, but it comes with a really high deductible. He was also spending more money than he had to because he didn’t understand cost-sharing terms.

Since he discovered Decoding Health Insurance, he now saves money by being health insurance literate and using a Health Savings Account (HSA).

Meet Naya

Naya works as a health care navigator (assister) who assists people enrolling in health insurance. It turns out, insurance is complicated, even for the professionals.

Discovering Decoding Health Insurance provided Naya with a deeper understanding of health insurance, which makes her an even more valuable asset to her clients.