Worried About the Future of Healthcare? We’re Not!

 

Why Health Indemnity Plans Have Always Been a Reliable Solution in an Unpredictable Healthcare Landscape

There’s lots of speculation and uncertainty right now around the future of healthcare with Trump heading back to 1600 Pennsylvania Avenue. Will the ACA remain, will it be repealed or will it be replaced? For companies like ours and for all of the clients we serve it doesn’t matter. At Revolt Healthcare Alliance, we are proud to champion the Enhanced Indemnity Plan as a beacon of stability in an unpredictable world because our plans operate outside of government-mandated frameworks. Whether you’re navigating post-election uncertainty, or simply seeking a better way to manage your healthcare costs, our plan puts you in control.

The U.S. healthcare system has endured countless political and economic shifts over the years, yet one model has consistently provided stability and reliability for consumers: health indemnity plans. Despite facing numerous legislative attacks, court challenges, and lobbying efforts to diminish their presence, these plans have weathered the storm. Their resilience and historical consistency make them a trusted staple for millions of Americans seeking control over their healthcare costs.

In this blog, we’ll explore the enduring value of health indemnity plans, examine the threats they’ve faced over the decades, and highlight why they remain a steadfast option amidst ongoing healthcare uncertainty.

What Are Health Indemnity Plans?
Health indemnity plans are a traditional insurance model offering fixed benefits for specific medical services. Unlike managed care plans like HMOs or PPOs, which limit provider networks and often impose significant restrictions, indemnity plans provide consumers with greater freedom. Policyholders can visit any doctor or hospital, and the plan reimburses a predetermined amount for covered services.

This straightforward approach to healthcare coverage has made indemnity plans a preferred option for those seeking transparency, predictability, and independence from complex bureaucratic systems.

A History of Stability Amid Political Uncertainty
Health indemnity plans have stood the test of time, dating back to the early 20th century. These plans gained traction in the mid-1900s, providing comprehensive coverage before the rise of employer-sponsored health insurance during World War II. While the healthcare industry evolved—shifting toward managed care models like HMOs—the indemnity plan remained a cornerstone for those seeking simplicity and control.

Even during seismic changes like the introduction of Medicare and Medicaid in 1965, or the passage of the Affordable Care Act (ACA) in 2010, health indemnity plans adapted without losing their core appeal. Unlike many managed care options, which require significant policy changes to remain viable, indemnity plans are inherently flexible and designed to operate outside government mandates.

Legislative and Lobbying Threats to Health Indemnity Plans
Despite their consumer-centric design, health indemnity plans have faced repeated attempts to undermine their viability. These efforts often stem from political and lobbying groups advocating for managed care systems, which dominate the insurance market. Below are some notable examples:

Attempts to Restrict Short-Term Limited Duration Plans
The ACA introduced regulations aimed at standardizing insurance coverage, including the essential health benefits requirement. While this was designed to expand access to comprehensive care, it inadvertently stifled alternative models. Short-term health plans, which share similarities with indemnity plans, came under attack through proposals to limit their duration and benefits.

For example, during the Obama administration, a 2016 rule capped short-term plans at three months and prohibited renewals, effectively reducing consumer access to these more affordable options. While indemnity plans differ in structure, they were often lumped into broader criticisms of "non-compliant" coverage models.

More recently, in July 2023, the Departments of Health and Human Services (HHS), Labor, and Treasury introduced rules targeting indemnity and short-term limited-duration insurance (STLDI). These new rules, finalized in April 2024, mandate stricter consumer notices and limit how these plans can be marketed and renewed. By September 2024, the agencies reduced the duration of short-term plans to four months per contract year—a sharp reduction from previous limits that allowed for up to 364 days. Their objective? To prevent these plans from being used as substitutes for ACA-compliant coverage. They were unsuccessful in curbing the health indemnity plan.

Court Challenges Against Health Indemnity Plans
Litigation has also threatened the survival of indemnity plans. In some cases, these lawsuits target the way plans are marketed, alleging that they mislead consumers. While isolated incidents of misrepresentation have occurred, they are not representative of the model itself. Instead, these lawsuits often serve as ammunition for larger efforts to eliminate alternatives to the traditional insurance market.

Why Health Indemnity Plans Endure
Despite these challenges, health indemnity plans have proven remarkably resilient. Their staying power can be attributed to several key factors:

1. Consumer Control and Transparency
Unlike managed care plans, which often obscure costs through network restrictions and surprise billing, indemnity plans offer clear and predictable payouts. Consumers know exactly how much their plan will reimburse for a given service, allowing them to make informed decisions about their care.

2. Flexibility in a Shifting Regulatory Landscape
Health indemnity plans are not bound by the same regulatory requirements as ACA-compliant plans, making them a reliable option regardless of political changes. Whether the ACA is repealed, expanded, or replaced, indemnity plans remain unaffected because they operate outside of government-mandated frameworks.

3. Protection Against Catastrophic Costs
The most benefit rich indemnity plan on the market actually covers up to 300 times what Medicare pays for procedures, providing robust financial protection against high medical bills. This feature has become increasingly valuable as healthcare costs continue to rise, leaving many traditional insurance plans struggling to keep up.

4. Stability in Uncertain Times
Periods of political uncertainty, such as the aftermath of major elections, often leave consumers anxious about their health coverage. Indemnity plans offer peace of mind by standing apart from government-driven policy changes. They are built to serve individuals, not systems, ensuring continuity of care even in turbulent times.

Looking Ahead: Why Indemnity Plans Are Here to Stay
As the healthcare landscape continues to evolve, health indemnity plans will remain a vital option for consumers seeking freedom, transparency, and stability. Their ability to adapt to regulatory changes and withstand political attacks underscores their resilience. For consumers concerned about the future of their health coverage, indemnity plans offer a dependable solution built to last.

Healthcare reform debates will come and go, but the core values of health indemnity plans—freedom, transparency, and reliability—are timeless. By standing outside the chaos of political shifts, these plans offer a dependable foundation for individuals and families seeking peace of mind in their healthcare journey.

Stay informed. Stay empowered. And trust in a model that has stood the test of time.

The Art Of Not Listening

Anyone who knows me well knows I subscribe to Proverbs. One in particular that has helped me tremendously over the years is, “Plans fail for lack of counsel, but with many advisers they succeed.” I learned many years ago while running my own business that it’s good to surround yourself with people who are wiser than you and who have had more life experience than you. I learned it’s good to listen to their stories and the advice they share with you.

That said, I’ve also learned that there are times when it’s not a good idea to listen to people…

In 1919, Walt Disney was fired from the Kansas City Star. According to his editor, he “lacked imagination and had no good ideas.” Walt didn’t listen to his editor and we know how things turned out for him.

On December 1, 1955, in Montgomery, Alabama, Rosa Parks refused to listen to bus driver James F. Blake’s order that she give up her seat in the colored section to a white passenger, after the white section was filled. Parks’ act of defiance and the Montgomery Bus Boycott became important symbols of the modern Civil Rights Movement. She became an international icon of resistance to racial segregation and nine years later on July 2, 1964, President Johnson signed the Civil Rights Act of 1964 ending racial segregation.

Over the span of four decades Lee Iaccoca rose to the top of the Ford Motor Company, but ultimately clashed with Henry Ford Jr., the company’s CEO and chairman. After a string of unused ideas Iacocca was let go. Iacocca was soon courted by Chrysler, which was in danger of going out of business. He took out a huge loan from the government and used it to revive the company. He refused to listen to his naysayers and brought several of his ignored ideas from Ford over to Chrysler, like the Dodge Caravan and the Plymouth Voyager. He remained CEO of the company until 1992 and was credited with its rise from failure.

For you sports aficionados, as a sophomore in high school, Michael Jordan was cut from his school`s basketball team and was told that he wasn’t good enough. But he refused to listen to what people were telling him. He went on to lead the Chicago Bulls to 6 NBA titles while winning 6 MVPs at the same time.

I can relate to each of these people and their stories rather well. At the age of 16 I became very passionate about being in good health and as a result made the decision that I was going to own my own health club someday. For years people with good intentions, and not so good intentions, told me I would never be able to achieve my goal. I didn’t listen. Nine years later at the age of 25 I not only owned one, but went on to own two, which I owned and operated over the course of 12 years.

Later in life I discovered a talent and passion for writing. And so as I set out to write my first book, I was told I would never be a writer. I didn’t listen. Today, not only am I the author of my own book, but I’ve been published in regional and national trade and news publications across the country.

Now for clarity, it wasn’t that Iacocca didn’t listen to what people were saying about his ideas being bad before he took them to the competitor. It wasn’t that Jordan didn’t listen to people tell him he wasn’t good enough. In fact he recounts a story of the time he went home and closed his door so that no one would see or hear him cry. It’s not that I don’t listen to people when they tell me I can’t do something…it’s that we don’t subscribe to what they are saying. We don’t agree with what they are saying. We don’t share the same set of beliefs. We’re driven by our passion to be creative and make the world around us a better place.

So I just want to encourage anyone reading this right now who has a kindred spirit…endure the critiques. Crash through the obstacles that well meaning people may verdantly or inadvertently put in your way. Wear the label of someone who doesn’t listen. In fact, wear it like a badge. If what you are pursuing is for your good or the good of others and is based in virtue…then learn the art of not listening.

Healthcare Consumerism Is Backfiring on the Traditional Healthcare System

For years healthcare consumerism has been a buzz word used by CEOs and PR teams employed at huge health insurance companies and healthcare systems. In fact, back in the day when I worked at Cigna it was a thing. The year they aggressively promoted their high deductible health plans (HDHPs) internally to their own employees the spin was that HDHPs help lower premiums and incentivize consumers to take control of their healthcare spending. And it never fails at the beginning of every year some healthcare executive “insider” tirelessly uses the term in a quote as part of the coming year’s healthcare predictions as if it is some game changing prediction.

The term "healthcare consumerism" first gained prominence in the 1970s and 1980s as healthcare costs began to rise significantly in the US. It was initially coined by academics and healthcare professionals to emphasize the idea of patients taking a more active role in their healthcare decisions, akin to consumers in other industries. Over time, healthcare consumerism has evolved to encompass a broader concept beyond just cost-conscious decision-making, emphasizing patient empowerment, choice, and engagement with healthcare providers. Today, it reflects a shift towards a more patient-centered approach, with individuals increasingly involved in choosing their healthcare providers, treatment options, and participating in shared decision-making processes.

Regardless of its ever evolving meaning, at its core it suggests you and I should spend as much time or more shopping for our healthcare services the way we would for a car or the latest OLED tv. The problem until recently though is that even if we wanted to shop for our healthcare we couldn’t, because the traditional healthcare system is set up in a way that intentionally prevents that from happening. But with the emergence of the new parallel healthcare economy consumers being able to shop for their healthcare is finally a 2024 prediction that’s comes true, which is leaving me wondering why it did not make Nostradamus’ list.

Humor aside, in 2024 you can literally cut your healthcare costs in half in a variety of ways. If you are an employer, you can switch to a performance health plan. Performance health plans are designed by brokers who work for you instead of brokers who work for and get paid by insurance companies. The brokers who design these performance plans are mostly trained by an organization called Health Rosetta. Dave Chase, author of “The CEO’s Guide to Restoring the American Dream,” along with several like-minded healthcare professionals created Health Rosetta, which architects a blueprint for employers to provide better care for their employees at much lower costs than traditional employer plans. Founded in 2015, Health Rosetta boasts 250 accredited advisors, who are all certified experts in designing performance health plans that are currently stewarding 5 million lives.

Another way you can cut your health insurance cost in half is by ditching major medical and using supplemental insurance as your primary coverage. In recent years supplemental insurance carriers have added everyday health benefits to what they call ‘Enhanced Health Indemnity Plans’. These plans offer everything from prescription coverage to regular doctor visits, to medical imaging along with their original coverage design for more serious events such as heart attacks, cancer or strokes. Brokers nationwide are bundling these enhanced indemnity plans with accident and critical illness plans at half the cost of major medical.

But undoubtedly the most powerful way to take control of and reduce your healthcare costs is by purchasing a monthly membership from your local direct primary care doctor. There are over 3500 physicians in 2500 direct primary care (DPC) practices nationwide providing basic day to day healthcare services to over 1 million Americans. These monthly memberships are age-banded and range from $40 to $85 per person, per month or $150 per family. People can now see their family doctor without all the insurance hassles for a low monthly rate. These DPC memberships also typically do not charge copays or deductibles.

And finally, my most favorite way of all that consumers are reducing their healthcare costs is through the use of concierge patient advocates. For years insurance companies and hospitals have employed medical billing experts who would help them bill and collect predatory fees from their patients. But now those billing experts are crossing over into the new healthcare economy and working directly for patients helping them save money. These traditional system traitors known as concierge patient advocates are now using their superpowers for good. They know where to shop to find transparent prices and how to negotiate needed services based on fair market rates on behalf of the customer.

So to wrap where I started with this whole thing, the concept of healthcare consumerism has undergone significant evolution since its inception in the 1970s. And although it’s historically been used as rhetoric, it’s now a new reality that is backfiring on the traditional healthcare system as consumers shop elsewhere for their healthcare.

He Could Do No Miracles Among Them

Whether or not you believe in God or the bible, I think a lot of people would agree there are tremendous life lessons that can be gleaned from it. In particular, there’s a story where it reads “And because of their unbelief, he (Jesus) couldn’t do any miracles among them…”.  Without going into the details of the entire story, one of the main headlines I got from it was this. Faith is built into the design of humanity.

Think about it. As a kid, when you learned to ride a bike, you first had to believe you could do it. When you tried out for that sport you had to first believe you could make the team. When you decided to go to law school or medical school you had to believe you could become an attorney or physician. When you started your business you had to believe you could be an entrepreneur. When you applied for that job you had to believe you could get hired. Faith is always on display by the actions we take.

But the problem is, we occasionally put our faith in the wrong people or the wrong things that end up disappointing or even hurting us. As this happens repeatedly, we can become jaded, sometimes even to a point of apathy where we just begin to accept things for how they are because we don’t believe they can be any different or better. I believe that’s where most people are at with the American healthcare system.

People are so jaded, so beat down, and so brainwashed believing they have to accept the healthcare system the way it is because the government and corporate controlled media makes them believe that. But that is emphatically 1000% a false belief. This nation was built on the belief in freedom. But somewhere along the way the masses were lulled to sleep through empty promises, deception, comfort, manipulation and outright coercion.

Fortunately though, not everyone has lost that faith and belief in freedom. I’m taking my precious time today to let whoever will believe, know, that in a random but collective effort, thousands of passionate men and women have created and are literally running a verifiable parallel healthcare economy called Devolution Healthcare. This economy you’ve never heard of is backed by companies and venture funds with market caps in the billions. And Devolution Healthcare is not even new. Maybe the identification and naming of it is new, but it’s been in existence for years serving and providing care for tens of millions of consumers, who are spending billions of dollars for high quality, affordable healthcare outside of the current predatory system.

If you are reading this right now, then you likely know that I co-own a company called Revolt Healthcare Alliance and you likely believe that I am only trying to sell our products and services to you. That is also a false belief. We have more clients than we can handle and are trying to figure out how to scale in a way that we don’t compromise the spirit of excellence in which we operate.

The truth is, I don’t care if you buy products or services from us. What I want is for you to realize that through a spirit of freedom, courage, and faith, and because of innovation and technology, there is a way for you and your family to save thousands of dollars every year so you can better use that money for your family’s benefit instead of giving it to a CEO who makes $30M per year. My executive leadership team thought I was absolutely insane when I told them we were going to start marketing and promoting products, services and business models other than our own. But eventually they came to understand that the Devolution Healthcare economy is massive and that it’s to our benefit to promote all these other companies.

So here is a gift from us to you. Devolution Healthcare. You can download it and you will not be put on an email list. Read it. Even if it’s not with our company, try one of the other products, services or business models. Worse case scenario you can always go back to paying for the same health insurance you have now, even though you can’t even really use it.

The entrepreneurs, physicians, pharmacies, brokers and technology companies operating in the Devolution Healthcare economy have found a way to put the care back into healthcare. We hope you will find the faith to believe in it.

Being Woke Is Not Enough

Black Americans in their ongoing fight against racism and social injustice have used the term “woke” throughout key moments of history. First used in the 1940s, the term “woke” has resurfaced in recent years as a concept that symbolizes awareness of social issues and movements against injustice, inequality, and prejudice.

One Urban Dictionary contributor defines woke as “being aware of the truth behind things ‘the man’ doesn’t want you to know”. Years after the term was created, on June 14, 1965, at Oberlin College Martin Luther King Jr, gave a commencement address called Remaining Awake Through a Great Revolution:

“There is nothing more tragic than to sleep through a revolution […] The wind of change is blowing, and we see in our day and our age a significant development […] The great challenge facing every individual graduating today is to remain awake through this social revolution.”

As I observe today’s culture/society there’s no shortage of social injustices all around us that we are being awakened to. But whether it’s the continuing cause of fighting racism or other social, political, or cultural issues just being aware of them is not enough.

For me, I’m woke to and keenly disturbed by the injustices that I see in the US healthcare system. In just one of many examples I can provide, approximately 3,900 US hospitals have a “nonprofit” status that allows them to avoid paying taxes. These “nonprofit” hospitals with tax exempt status are supposed to be using those tax dollars to lower healthcare costs and provide free care for those who can’t otherwise afford it. But we are all woke to the fact this is not what is happening.

In Marni Jameson Carey’s Medical Economics Review article published in January of 2020 she does a nice job of exposing by way of examples the ludicrous misappropriation of “non-profit” hospital revenues. To highlight just one of particular egregiousness, you have Atrium Health System, in Charlotte, NC, holding $52 million dollars in an offshore account in the Cayman Islands. They actually disclosed it on their 2017 990 tax form.

With more than 50% of US bankruptcies being due to medical bills I can’t help but wonder how many of the 2,825 bankruptcies in North Carolina in 2021 were because of medical debt that could have been alleviated by Atrium’s hidden surplus of $52M.

And it’s not just the non-profit hospitals, the BUCAH carriers are culpable too. Blue Cross, United, Cigna, Aetna, Humana are all lobbying for the continuance of a system rife with injustice. Blue Cross Blue Shield alone spent $25M on K-street last year and I guarantee the lobbying that was done in Washington was not for your financial or health benefits.

I could go on with example after example of the financial injustices in the healthcare system but I really don’t have to. If you’re reading this blog right now you yourself, or a family member, friend or co-worker who you know have all at one time or another been taken advantage of by the government regulated policies of hospitals and insurance companies that have caused you financial duress.

But as I stated with the title of this blog, just being woke to this non-sense is not enough. These laws, policies and injustices are all predicated on the idea that you’re too dumb or lazy to do anything about it. But I personally don’t believe that. I believe that a healthcare revolution is brewing. I see it and I can feel it. Whether you’re one of the 3,000 Revolt Healthcare clients who have spent $10M over the last 32 months on a health indemnity plan or whether you’re a savvy physician who is adopting the direct primary care model you are apart of a revolution to take back control of our country from a corrupt and literal healthcare cartel that is colluding against you.

Open enrollment is only a few months away. Being woke is not enough…do something different with your money this year. Your money is the only thing enabling them to continue the injustice.

#Revolt 

I Will Boast In My Weakness

In the Christian faith there’s a belief that when you humble yourself and admit your weaknesses you can gather the super natural strength from God that you need to overcome those weaknesses. I personally believe this principle to be true based on seeing it play out in multiple facets of life over the span of my first 48 years on this planet.

Lessons from Superbowl LVI

I have to be honest in that I don’t watch as much football as I used to due to the NFL taking stances on political issues these days. I also question the integrity of the sport due to the officiating in so many games where the best team doesn’t always win because of blatantly blown calls. But I remind myself it’s a national pastime rich with history and that the NFL has given me some cherished memories of a lifetime that I’ve been able to share with family and friends. That said I really enjoyed Superbowl LVI and here are some insights that I took away from it that I think transcend the sport itself.