Michael Fairbanks

Health Insurance is Broken!

I help individuals & families find coverage nationwide.

★★★★★ 5/5 on Google, 16 Reviews

[Michael Fairbanks @insurancexposed]

Health Plans for Individuals, Self Employed, 1099 Contractors and Small Business Owners are Available!

✅ YES Nationwide PPO ✅
❌ No HMO/EPO ❌

Reply below to learn more about these benefits!

[Michael Fairbanks @insurancexposed]

Depending on the ages and the zip code, you could be looking at plans in the range of $1000-$2000/mo. for a healthy family of 5.

I soft pulled some private plans with UHC in Arvada (took a gues) for a family of 5 with you and your spouse being between 40-55 years old.

If everyone is healthy, shoot me a text or send me a private chat here.

My website is in my bio with my license for the state of Colorado.

Might be able to cut your costs by 20-50%.

[phone]

[Michael Fairbanks @insurancexposed]

@kojatowski @DaveSchnei19537 @skumWgmi Unless you and your spouse are around 60 years old, there may be some savings there.

Is everyone healthy in the family?

[Michael Fairbanks @insurancexposed]

@cjharrispretzer what you really want to do is reach out to @lunsford_perry to let him check your rates/plans in the state of California. This guy saves more Americans money on insurance than anyone I've ever met.

[Michael Fairbanks @insurancexposed]

@cjharrispretzer @lunsford_perry california

[Michael Fairbanks @insurancexposed]

Sinus infections are the number 1 reason we end up going to the doctors and urgent cares in October.

But why when I feel my worst do I have to leave my house?

Well, with some of your health insurance plans, you don't!

Most plans I work with have a telemedicine service built right into them.

What does that mean for you?

It means you don't have to go to the doctors, wait in the waiting room with a bunch of other sick people, pay a co-pay, see the doctor, tell them your symptoms, then go to the pharmacy.

With telemedicine, you facetime or call a board certified doctor, they ask you your symptoms, then send a anti-biotic, or prescription right to your pharmacy.

That simple.

Skip the doctors and get right to the medicine.

Curious?

Reply "MD" and let's see what plans we can find for you.

[Michael Fairbanks @insurancexposed]

The hardest part of my job is letting people know that there are alternative options that are cheaper and better than the ACA.

The ACA is in fact a horrible investment.

But you no longer have to be in that market anymore!!

Health insurance is healing, you just might not have seen the healthy side of it yet!

[Michael Fairbanks @insurancexposed]

Don't be this guy:

Doesn't get health insurance until something bad happens.

Then wonders why all the plans are expensive.

It's like car insurance. If you try to get it after an accident, you will pay 10x more than if you purchased it prior.

Don't leave your assets exposed. Find the right plan today.

[Michael Fairbanks @insurancexposed]

In all seriousness. How do we just stop these companies from charging us more and more to live each year?

[Michael Fairbanks @insurancexposed]

Have you ever heard of an insurance company REDUCING their rates for their products?!?

Well, you have now.

[Fletch17 @RealFletch17]

Did you know

[Michael Fairbanks @insurancexposed]

Do you pay more than 12x your age for your health insurance?

ie. 32 x 12 = $384/mo

If you are, chances are you may be paying too much.

🤷‍♂️

[Michael Fairbanks @insurancexposed]

@jeremyct what state are you in?

[Michael Fairbanks @insurancexposed]

it's crazy because the hospitals, doctors, and pharmacies charge whatever they want to the insurance companies.

Take a pregnancy for example

The hospital charged my insurance $43,000 for my sons pregnancy.

When I called and asked for a cash price? $8,700 out the door.

What even is that?!?!

And people wonder why insurance premiums go up each year. It's because the insurance companies are being asked to pay ridiculous over-inflated pricing.

Just my 2 cents though.

[Michael Fairbanks @insurancexposed]

If you're paying more than 10x your age on your health insurance, there's a very good chance you're paying too much.

Reply '10x' to this and I'll give you a free biopsy of your health insurance plan!

[Michael Fairbanks @insurancexposed]

Life is how you look at it. Not how others look at it.

[Michael Fairbanks @insurancexposed]

@kyoung375124 @AlpacaAurelius have you ever had someone look into your plan to see if there's a way to reduce your deductible and reduce your monthly premium?

[Michael Fairbanks @insurancexposed]

The private health insurance marketplace will quite literally reduce your monthly cost, increase your benefits, and lower your deductible.

Not only that, but it increases the amount of doctors that are in-network with your insurance plan!

It's a no brainer!!

DM me before I lose my mind. You don't have to stress about your health insurance anymore, I got you!

[Michael Fairbanks @insurancexposed]

The ACA Marketplace has continuously reduced the networks.

Meaning, they reduce the amount of doctors that are in-network with the insurance you enroll in.

If you don't want to worry about being in-network or not, you need a PPO.

PPO's are available all year round on the private marketplace. So why not enroll in them??

[Michael Fairbanks @insurancexposed]

More and more people are shifting from the ACA Marketplace to private plans.

Why?!

Because the ACA changes their plans and pricing every year.

And the average rate increase has been close to 20% over the last 2 years and continues going into 2027.

WHY ARE WE PAYING MORE FOR THE SAME IF NOT WORSE PLAN?!?

The private marketplace keeps the same carriers and keeps your premium increase within a 2-4% each year.

Not only that, but statistically speaking, the private marketplace premiums are 20-70% cheaper than the ACA.

Why would you not look into that?!?