Breaking Down Barriers to Better Health Plans: How Foss Financial Group Simplifies Your Healthcare Experience

The traditional health insurance marketplace is far from perfect, providing little flexibility for people without employer-sponsored plans. That’s especially true if you’re a small business owner (SBO), 1099 contractor, or self-employed. You likely bear the biggest brunt of age-related charges, annual premium increases, high recurring costs, and limited network choices. This broken system fails to meet the health plan needs of independent professionals and SMOs.

Meet Foss Financial Group

Whether you can't get coverage through an employer or face rising costs due to age or income fluctuations, the individual market often leaves you with little choice and big financial risk. Foss Financial Group offers insurance plans built from the ground up not just to meet your needs but also to actively address these longstanding healthcare challenges.

This solution-oriented approach is designed to prioritize predictability, affordability, and flexibility, empowering you to focus on what truly matters: your health. Keep reading to learn how Foss Financial Group is breaking down barriers to deliver a superior healthcare experience.

Dismantling Healthcare Barriers, One Solution at a Time

1- Fixing Annual Increases with Fixed Rates for Long-Term Stability

Most health insurers raise premiums year after year, with rates typically spiking 3-6% annually as you age. An individual's average health insurance premium now exceeds $500 per month. Dealing with these annual bumps in healthcare costs can be overwhelming, creating a seemingly endless cycle of financial strain and uncertainty.

With Foss Financial Group, you can lock in a low rate up to age 65. You get cost certainty without worrying about rate hikes year after year. Research shows that the average premium increases 3x for a 59-year-old compared to a 21-year-old, so this plan offers cost assurance in the long haul.

2- Out-of-Pocket Protection from Rising Medical Costs

Experts expect medical costs to jump 9% this year alone, translating to more out-of-pocket spending. Although the government caps out-of-pocket for an individual health plan at $9,450, Foss Financial Group limits your maximum annual spending to just $2,500 or $5,000 (instead of $18,900) for a family, regardless of inflation or medical needs.

3- Freedom to Switch Plans

Changing health insurers often requires mountains of paperwork and gaps in coverage. But not with Foss Financial Group’s money-back guarantee. If you ever wish to switch plans down the road, you’ll get prorated cash back with no hidden fees for effortless transitioning.

4- See Any Doctor, Anywhere, with Open Network Assurance

Too many health plans restrict your provider choices and don't cover out-of-network care. This open-network plan allows you to see doctors at any hospital across all 50 states. This plan allows you to choose your provider and covers your physicians wherever you travel with the same copays as at home.

5- Low, Predictable Copays Protects Against Rainy Days

With copays of just $35 to see a primary care physician and $55 for specialists, Foss Financial Group makes quality healthcare affordable and predictable.

Take Control of Your Healthcare

Don't settle for price hikes and limited care. Foss Financial Group flips the script with budget-friendly premiums, lower out-of-pocket costs, open provider access, and guidance from trusted advisors. We simplify healthcare so you can focus on your well-being. Our dedicated team draws from over a decade of experience to craft personalized healthcare solutions that match your specific circumstances and budget. We're here to help via phone whenever questions arise.