Filip Lundstedt

So I think like it all comes down to your lifestyle and your budget, of course. And you've got two kinds of people, some people that have a very clean lifestyle and people that don't have a clean lifestyle. Whatever, I'm not here to judge. I mean, it is what it is.

So I think like it all comes down to your lifestyle and your budget, of course. And you've got two kinds of people, some people that have a very clean lifestyle and people that don't have a clean lifestyle. Whatever, I'm not here to judge. I mean, it is what it is.

If you have a very clean lifestyle and you're not drinking, you're not drugging, you're pretty healthy, going with like health share ministries, right? Like ministry programs can be phenomenal because they're such a low cost. And they have this share program, which is a deductible that's relatively low. And then it's 100% coverage afterwards. So it's really great to get in those.

If you have a very clean lifestyle and you're not drinking, you're not drugging, you're pretty healthy, going with like health share ministries, right? Like ministry programs can be phenomenal because they're such a low cost. And they have this share program, which is a deductible that's relatively low. And then it's 100% coverage afterwards. So it's really great to get in those.

If you have a very clean lifestyle and you're not drinking, you're not drugging, you're pretty healthy, going with like health share ministries, right? Like ministry programs can be phenomenal because they're such a low cost. And they have this share program, which is a deductible that's relatively low. And then it's 100% coverage afterwards. So it's really great to get in those.

And then you put like a hospital indemnity on the back end or like what we call a mega indemnity that covers everything. So when you go to the doctor and you have a $40 copay, this other insurance company is sending you 125 bucks. So you're making a profit.

And then you put like a hospital indemnity on the back end or like what we call a mega indemnity that covers everything. So when you go to the doctor and you have a $40 copay, this other insurance company is sending you 125 bucks. So you're making a profit.

And then you put like a hospital indemnity on the back end or like what we call a mega indemnity that covers everything. So when you go to the doctor and you have a $40 copay, this other insurance company is sending you 125 bucks. So you're making a profit.

Just explain that at a third grade level to people.

Just explain that at a third grade level to people.

Just explain that at a third grade level to people.

Of course. Of course. So imagine, I'll give you a great example. You fall off a ladder or you're riding your bike, right? You're riding your bike. You fall off the bike and you hurt yourself. You dislocate your shoulder. You've got to go to the emergency room. You go to the emergency room. You've got to co-pay for that. Let's say it's $400. That's your co-pay. So you go in the emergency room.

Of course. Of course. So imagine, I'll give you a great example. You fall off a ladder or you're riding your bike, right? You're riding your bike. You fall off the bike and you hurt yourself. You dislocate your shoulder. You've got to go to the emergency room. You go to the emergency room. You've got to co-pay for that. Let's say it's $400. That's your co-pay. So you go in the emergency room.

Of course. Of course. So imagine, I'll give you a great example. You fall off a ladder or you're riding your bike, right? You're riding your bike. You fall off the bike and you hurt yourself. You dislocate your shoulder. You've got to go to the emergency room. You go to the emergency room. You've got to co-pay for that. Let's say it's $400. That's your co-pay. So you go in the emergency room.

Now you owe $400. Then they keep you overnight in the hospital. Then you've got another let's say $2,000, $2,500, because you have a deductible. Well, now you're up to $2,900. You get this other program from another insurance company that makes you a bet. And they say, well, I bet you won't, nothing will happen to you. And you just got to pay me $100 a month.

Now you owe $400. Then they keep you overnight in the hospital. Then you've got another let's say $2,000, $2,500, because you have a deductible. Well, now you're up to $2,900. You get this other program from another insurance company that makes you a bet. And they say, well, I bet you won't, nothing will happen to you. And you just got to pay me $100 a month.

Now you owe $400. Then they keep you overnight in the hospital. Then you've got another let's say $2,000, $2,500, because you have a deductible. Well, now you're up to $2,900. You get this other program from another insurance company that makes you a bet. And they say, well, I bet you won't, nothing will happen to you. And you just got to pay me $100 a month.

And if something does happen to you, we're going to pay you out. So you say, okay, great. You go to the emergency room and they say, okay, now we owe you $300. So they offset 300 of the 400 that you have to spend. Yeah. So you're like, okay, now what about the rest of the money that I owe, the $2,500?

And if something does happen to you, we're going to pay you out. So you say, okay, great. You go to the emergency room and they say, okay, now we owe you $300. So they offset 300 of the 400 that you have to spend. Yeah. So you're like, okay, now what about the rest of the money that I owe, the $2,500?

And if something does happen to you, we're going to pay you out. So you say, okay, great. You go to the emergency room and they say, okay, now we owe you $300. So they offset 300 of the 400 that you have to spend. Yeah. So you're like, okay, now what about the rest of the money that I owe, the $2,500?