Having spent years in healthcare—both abroad and here in the U.S.—I've seen firsthand how challenging it can be for employees to feel truly confident in their health coverage. In 2026, satisfaction with employer health plans hit a low point, with average scores at just 37 and some major carriers dropping to 11 or even below zero. It’s no surprise that more people are exploring alternatives like healthshares. These operate outside federal insurance rules, can exclude pre-existing conditions, and often use lower-risk groups to keep contributions lower. Supporters point to transparent guidelines and a system where, after you meet your unsharable amount, eligible needs are almost always approved. Having meaningful choice is a recurring theme here—members aren’t limited by networks and can opt for a $500 clinic MRI instead of a $5,000 hospital bill. Some employers are also looking at reimbursement plans or individual coverage arrangements, hoping to spend 30%–50% less each month while actually improving the member experience. My passion remains helping you navigate all these options, so your coverage truly fits your needs and gives you peace of mind.
