The government wants you to believe your health insurance costs are falling. But walk into any clinic or review your premiums, and the truth is obvious: you’re paying more and getting less. This article breaks down how the system manipulates data, distorts inflation numbers, and makes healthcare unaffordable — even when you’re insured.
"The price hikes are real. The only thing falling is the government's credibility."
This summary is based on the video published by Heresy Financial, which outlines how health insurance is deceptively reported in CPI data and what that means for your wallet.
💸 Why Your Costs Keep Rising While the Government Claims They’re Falling
The average family health insurance cost is now over $25,000/year — and that’s before deductibles, co-pays, or surprise bills.
Meanwhile, insurers are already requesting 20–27% rate hikes for 2026, and healthcare has overtaken housing, food, and clothing as the #1 family budget line item.
- 📈 Families are paying more than ever
- 🏥 Insurance companies are charging more than ever
- 📊 Government data shows... prices are falling?
🎩 The Trick They’re Using
The government isn’t tracking what you pay. It’s measuring insurance company profitability. When companies spend more on claims, inflation data reports a price drop — even if your actual premiums go up.
This allows politicians to say inflation is cooling, while households feel the opposite.
🚨 It’s Not Just Expensive — It’s Broken
Even insured patients face deductibles, hidden fees, and rising visit costs. In many cases, getting insured actually makes your care more expensive.
- ❗ Surprise billing even with coverage
- ❗ Separate deductibles for in- and out-of-network care
- ❗ Higher co-pays and inflated rates after getting insured
“Once we got insurance, our doctor visits got more expensive — not less.”
🔄 The Quiet Revolt: Individuals and Doctors Opting Out
More people are bypassing the traditional insurance system entirely:
- 💰 Healthy individuals negotiating direct cash rates
- 📦 Doctors moving to Direct Primary Care (DPC) — no insurance, no billing chaos
- 🏥 Transparent monthly healthcare memberships
💡 Self-Insurance: The DIY Approach
Some are canceling coverage altogether and investing the savings into a self-managed healthcare fund. With a few healthy years, these accounts can grow quickly — giving them freedom from insurers long-term.
✅ Final Thought
This isn’t a call to cancel your insurance — but it is a wake-up call. The system doesn’t match the reality most people live. And more Americans are opting out.
“Every dollar you spend is a vote for the system you support. And more Americans are voting no.”
📺 Prefer to watch instead? Click here to watch the full video on YouTube
💡 Ready to explore alternative asset strategies? Talk directly with George at Time Health Capital.
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