5 Health Insurance Myths That Need to Die
Let’s clear the air on what’s true, what’s hype, and what’s just plain wrong.
The health insurance world is full of half-truths, outdated advice, and flat-out bad info. Let’s cut through the noise and put five common myths to rest — for good.
1. “I’m healthy, so I don’t need insurance.”
Until you’re not. Accidents, surprise illnesses, or even just one ER visit can cost thousands out of pocket. Insurance isn’t just for chronic conditions — it’s your financial safety net when life does what life does.
2. “Cheaper is always better.”
A low premium might look good upfront, but it could mean sky-high deductibles or no coverage when you actually need it. Always look at the total cost of care, not just the monthly payment.
3. “I can only get coverage during Open Enrollment.”
Not true. Certain life events — like losing a job, moving, or having a baby — qualify you for a Special Enrollment Period. There are also private options available year-round.
4. “All insurance agents are the same.”
Hard no. Some are tied to one company. Some work off commissions. Some (hi, that’s me) work independently and focus on your needs. Who you work with matters.
5. “It’s too complicated to understand.”
It can be complicated — but it doesn’t have to stay that way. You just need someone who explains it clearly, without jargon or pressure. That’s what Wolfe Health is here for.
The bottom line:Health insurance isn’t perfect. But it doesn’t have to be scary, confusing, or full of myths. The more you know, the easier it is to make a decision you won’t regret later.
Got questions? I’m always down to talk it through.
