Why Conventional Health Insurance Is a Racket—and What You Should Do Instead

When it comes to managing your health, conventional health insurance often feels like a frustrating game—one where the house always wins. Between high monthly premiums, deductibles you rarely meet, and surprise bills that somehow aren’t covered, it’s no wonder more people are beginning to question whether traditional insurance is worth it at all.

The truth is, conventional health insurance is a racket. And if you’re relatively healthy, you don’t have to play the game. There’s a better, more affordable way to take care of your health—and it starts with Direct Primary Care.

The Broken System of Conventional Health Insurance

Let’s be honest: the insurance model wasn’t designed to put patients first. It was designed to create profit. Here’s how the racket works:

• You pay hundreds (or thousands) per month in premiums—even if you rarely go to the doctor.
• You’re still on the hook for huge deductibles before insurance even kicks in.
• You need permission (pre-authorization) for tests and treatments.
• You often get surprise bills for “out-of-network” providers you didn’t even choose.
• Your doctor spends more time dealing with insurance paperwork than caring for you.

Sound familiar?

The system is bloated, inefficient, and frustrating for both patients and doctors. That’s why many people are ditching conventional health insurance altogether—and choosing smarter options like health share plans paired with Direct Primary Care.

What Is Direct Primary Care (DPC)?

Direct Primary Care is a membership-based healthcare model where you pay your doctor directly—without insurance interference. For one affordable monthly fee, you get unlimited access to your primary care physician, same-day or next-day appointments, longer visits, and better continuity of care.

At Fit Rx Health & Wellness, we offer Direct Primary Care that includes:

• Unlimited office visits and virtual consultations
• No copays or surprise fees
• Discounted labs, imaging, and medications
• Personalized care that focuses on prevention, wellness, and hormone optimization

Our members pay just $99/month for comprehensive primary care—and never have to worry about insurance games again.

Pair DPC With a Health Share Plan

You may be wondering: what about emergencies or hospitalizations?

That’s where health share plans come in. Health share organizations like Sedera, Zion HealthShare, or Liberty HealthShare allow members to share major medical expenses without using traditional insurance. They typically cover:

• Emergency room visits
• Surgeries
• Hospital stays
• Specialty care

Health shares are often a fraction of the cost of traditional insurance. When paired with a Direct Primary Care membership, you can get both day-to-day care and peace of mind for the big stuff—without breaking the bank.

Why This Combo Works

Here’s why combining a health share plan with Direct Primary Care just makes sense:

• Lower Costs: Most families save thousands of dollars per year.
• Better Access: Get real care when you need it—not just when your insurance says you can.
• More Time With Your Doctor: At Fit Rx Health & Wellness, we keep our panel small so you’re never rushed.
• Prevention-Focused: Our model is built around optimizing your health—not just managing sickness.

You’ll spend less, get more, and actually enjoy the healthcare experience again.