Filip Lundstedt

It really can be if you're not prepared for what you're walking into. And a lot of people, you know, the number one reason why people go broke in America is because of medical expenses. Really? It's the number one reason, right?

It really can be if you're not prepared for what you're walking into. And a lot of people, you know, the number one reason why people go broke in America is because of medical expenses. Really? It's the number one reason, right?

It really can be if you're not prepared for what you're walking into. And a lot of people, you know, the number one reason why people go broke in America is because of medical expenses. Really? It's the number one reason, right?

There was a time, there was one time everybody had to have insurance for penalties and stuff, right? The marketplace, but then they kind of got rid of that and rolled it back because... It was just insane. Some people that are like, if you're healthy and wealthy, you're paying thousands and thousands of dollars a month for an HMO. And you've got someone that makes no money and pay nothing for it.

There was a time, there was one time everybody had to have insurance for penalties and stuff, right? The marketplace, but then they kind of got rid of that and rolled it back because... It was just insane. Some people that are like, if you're healthy and wealthy, you're paying thousands and thousands of dollars a month for an HMO. And you've got someone that makes no money and pay nothing for it.

There was a time, there was one time everybody had to have insurance for penalties and stuff, right? The marketplace, but then they kind of got rid of that and rolled it back because... It was just insane. Some people that are like, if you're healthy and wealthy, you're paying thousands and thousands of dollars a month for an HMO. And you've got someone that makes no money and pay nothing for it.

Right. And you're like, well, I'm paying for that person to be on there and I'm healthy. Why would I do this with someone that's healthy and wealthy? I just take them and I say, listen, you got to you got to leverage your health to get a lower premium. So we put you through an underwritten program. Yeah.

Right. And you're like, well, I'm paying for that person to be on there and I'm healthy. Why would I do this with someone that's healthy and wealthy? I just take them and I say, listen, you got to you got to leverage your health to get a lower premium. So we put you through an underwritten program. Yeah.

Right. And you're like, well, I'm paying for that person to be on there and I'm healthy. Why would I do this with someone that's healthy and wealthy? I just take them and I say, listen, you got to you got to leverage your health to get a lower premium. So we put you through an underwritten program. Yeah.

When you go through an underwritten program, it's a lot cheaper because they can they know the risk. So they look at like BMI, you know? Yeah, they look at your BMI. Sometimes they do blood. Sometimes they're going to look at your... They're always going to look at your medical background and history. Some of them are fully underwritten.

When you go through an underwritten program, it's a lot cheaper because they can they know the risk. So they look at like BMI, you know? Yeah, they look at your BMI. Sometimes they do blood. Sometimes they're going to look at your... They're always going to look at your medical background and history. Some of them are fully underwritten.

When you go through an underwritten program, it's a lot cheaper because they can they know the risk. So they look at like BMI, you know? Yeah, they look at your BMI. Sometimes they do blood. Sometimes they're going to look at your... They're always going to look at your medical background and history. Some of them are fully underwritten.

Some just have knockout questions where it's just like 12 questions that if you answer no to all of them, you're good to go. They have pre-existing conditions if you lie on that application. So it's like those safeguards, but the insurance company does it because they're able to leverage the risk. Yeah, that makes sense. And if you're healthy and wealthy, that's the best way to do it.

Some just have knockout questions where it's just like 12 questions that if you answer no to all of them, you're good to go. They have pre-existing conditions if you lie on that application. So it's like those safeguards, but the insurance company does it because they're able to leverage the risk. Yeah, that makes sense. And if you're healthy and wealthy, that's the best way to do it.

Some just have knockout questions where it's just like 12 questions that if you answer no to all of them, you're good to go. They have pre-existing conditions if you lie on that application. So it's like those safeguards, but the insurance company does it because they're able to leverage the risk. Yeah, that makes sense. And if you're healthy and wealthy, that's the best way to do it.

And I say healthy and wealthy because...

And I say healthy and wealthy because...

And I say healthy and wealthy because...

yeah these programs sometimes five eight hundred dollars a month but in comparisons to the marketplace it's two three grand a month we're talking about ppos as well where you can go in and out of networks choose your own doctors you have a lot more choice right so i think there's a strategy comes in for people that are individuals of really paying attention to what their situation is and not going by what somebody else told them you need to talk to a broker

yeah these programs sometimes five eight hundred dollars a month but in comparisons to the marketplace it's two three grand a month we're talking about ppos as well where you can go in and out of networks choose your own doctors you have a lot more choice right so i think there's a strategy comes in for people that are individuals of really paying attention to what their situation is and not going by what somebody else told them you need to talk to a broker