How We Saved a Young Family $250/Month on Health Insurance and Added Life Insurance
- Michael Shellhart
- Mar 5
- 3 min read
Most families assume insurance is just another bill.
Something you pay for…
Something you hope you never use…
Something that just drains your bank account every month.
But sometimes the right strategy can reduce your monthly costs AND increase your protection.
That’s exactly what happened with a young family we recently helped through Exodus Benefits.
The Situation
A young couple reached out to us after feeling frustrated with their current insurance setup.
They had:
A high-deductible health insurance plan
No life insurance
Rising monthly premiums
Limited protection if something serious happened
Their monthly health insurance payment was over $900 per month, and if someone got sick they would still be responsible for thousands in deductible costs.
Even worse…
If something happened to the husband — the primary income earner — the family would have been left without financial protection.
They knew something needed to change.
The Goal
Their goals were simple:
✔ Lower their monthly insurance costs
✔ Improve their healthcare coverage
✔ Protect their family financially
✔ Add life insurance if possible
Most families assume these goals mean paying more money.
But that’s not always the case when you work with a broker who can shop multiple carriers.
The Strategy
At Exodus Benefits, we don’t just quote one option.
We compare multiple carriers and plan structures to design a better solution.
After reviewing their situation, we were able to:
• Move them into a private PPO health plan
• Reduce their monthly health insurance cost
• Add life insurance with living benefits
And here’s the part that surprised them the most.
The Result
Their final setup included:
✅ Improved private PPO health coverage
✅ Life insurance protection for the family
✅ Living benefits attached to the life policy
✅ $250 less per month than they were paying before
Yes — you read that correctly.
They saved $250 per month while adding protection they didn’t previously have.
Why This Happens More Often Than People Think
Many families are stuck in plans that are:
Too expensive
Poorly structured
Not designed around their actual needs
Limited to a single company’s offerings
When you work with an independent broker like Exodus Benefits, we can:
✔ Shop multiple insurance companies
✔ Compare plan structures
✔ Customize coverage based on your goals
✔ Look at the entire protection picture
Sometimes that means better coverage at the same cost.
Sometimes it means better coverage AND saving money.
The Missing Piece: Life Insurance
Before working with us, this family had no life insurance protection at all.
That meant if something happened to the primary income earner:
Mortgage payments would still exist
Childcare costs would still exist
Everyday bills would still exist
Adding life insurance created a financial safety net for their family.
Even better — their policy included living benefits, meaning they could access money early if they experienced:
Cancer
Heart attack
Stroke
Chronic illness
Critical illness
That’s protection while you’re alive, not just when you pass away.
What This Means for Your Family
Every situation is different.
But many families are surprised to learn that they may be able to:
• Lower their current premiums
• Improve their health coverage
• Add life insurance protection
• Build stronger financial security
All without dramatically increasing their monthly expenses.
The key is simply reviewing your current coverage and seeing what options exist.
Get a Free Coverage Review
If you haven’t reviewed your insurance in a few years, it may be worth a quick conversation.
At Exodus Benefits, we help families:
Compare health insurance options
Add life insurance protection
Understand living benefits
Build smarter protection strategies
No pressure. No obligation.
Just a conversation about protecting your family the right way.
📅 Schedule a Free Coverage Review:
Or text:
Your Name, State & Age to 541-606-8144
Exodus Benefits
Built Different. Covered Better.
Protecting the families who keep America moving.
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