Insurance premiums rising 200% soon

According to PBS, health insurance premiums could jump over 20% in 2026. Families in California and similar states may pay 200% more monthly. You're getting the same mediocre health coverage at a higher price.

Why this matters to you

Your insurance costs more every year. Hospitals charge more. Medicine costs more. Government subsidies are shrinking. The bill lands on you.

Picture paying double for the same pizza. Nothing changed except the price. That's what's happening to your health insurance.

Blood work isn’t free

As premiums rise, you're paying more for blood work without realizing it. Most people think blood tests are "free" through insurance. They're not. You pay through sky high premiums and co-pays every time.

Here's why that matters: blood tests detect over 80% of health conditions. They confirm diabetes, thyroid issues, vitamin deficiencies, and hormone imbalances. They catch problems before symptoms appear. They help you train more efficiently.

About 80% of doctor visits start with ordering blood work. It's not optional healthcare. It's how you find out what's actually going on.

The good news

One bright spot is that lab testing doesn't have to go through insurance at all. You can order blood work directly without even having to go through the hassle of making a doctor's appointment: no insurance middleman, no premiums, no deductible, no questions asked, no out-of-network surprise bills.

Private MD Labs lets you order any test in under two minutes. You go directly to a certified lab near you and get results by email, explained in human language. The price you see is the price you pay and its much less than your monthly insurance premiums in most cases.

Why this works 

Insurance will keep getting more expensive. Direct lab testing is not affected by that. You're paying hundreds or even thousands in premiums every month anyway. Why pay inflated insurance prices just to get basic blood work that is the critical first step?

You can even try any blood test for just $1, then pay the rest only when results arrive. 

One thing you can fix right now

You can't stop insurance companies from raising prices. You can't change what hospitals charge. You can't fix the broken healthcare system.

But you can stop overpaying for lab tests. You can skip the doctor's office for routine blood work. You can see exactly what you're paying before you pay it.