Every year, 68% of Americans spend less than 30 minutes choosing their health insurance plan.

The average person could save $2,700/year by running a simple break-even analysis between a high-deductible and low-deductible plan. Most never do.

The Problem

People pick plans based on one number — either the monthly premium or the deductible. That's like buying a car based on the sticker price while ignoring fuel costs, maintenance, and insurance.

Your True Annual Cost depends on at least 7 variables:

• Annual premiums (adjusted for pre-tax deductions)

• Expected out-of-pocket costs based on YOUR usage

• Copay vs coinsurance structure

• Prescription formulary tiers

• HSA/FSA tax advantages

• Network adequacy

• Out-of-pocket maximum exposure

The Math Most People Skip

Scenario: Healthy 30-year-old, 2 doctor visits/year, no medications, 24% tax bracket.

That's $2,734 left on the table by choosing the "safer" plan. Over 10 years with investment growth? Six figures.

But here's the thing — that same HDHP can be the WRONG choice for someone with chronic conditions or a planned surgery year. The answer is always "it depends on YOUR numbers."

The Solution

I built a 30-day accountability cohort that walks you through:

1. Understanding exactly how both plan types work

2. Calculating your True Annual Cost with real data

3. Running sensitivity analysis (best/expected/worst case)

4. Making a confident, data-backed decision

5. Weekly peer accountability to actually finish the analysis

No guessing. No generic advice. Your data, your math, your decision.

Open enrollment is coming. The 30 minutes you spend on this could be worth thousands.

Welcome to the cohort. You just made one of the smartest financial decisions of the year.

What You're Getting

Over the next 30 days, you'll work through a structured system that replaces insurance guesswork with math:

📚 The Course — 5 modules, 16 lessons covering everything from insurance fundamentals to a personalized break-even analysis framework you'll use every year.

💬 Cohort Chat — Your accountability group. Post weekly check-ins, ask questions, and get peer feedback on your analysis.

📋 Updates & Resources — Supplementary resources, deadline reminders, and open enrollment alerts.

Your First Steps

1. Start Module 1 today. The first 3 lessons take ~30 minutes.

2. Introduce yourself in the Cohort Chat. Share your current plan type and what prompted you to optimize.

3. Gather your insurance documents. You'll need your current Summary of Benefits and 12 months of EOB statements by end of Week 1.

The Rules

• Post your weekly check-ins on time. The framework is in Module 5.

• Be specific with numbers. "$2,400 savings" > "I'll probably save money."

• Help your peers. Reply to at least 2 check-ins per week.

• Ask questions. There are no dumb questions about insurance — only expensive unanswered ones.

The Goal

By Day 30, you'll have:

✅ A completed break-even analysis for your specific situation

✅ A data-driven plan selection (not a guess)

✅ An annual review system you'll reuse every open enrollment

✅ Projected savings you can quantify in dollars

Let's get to work.