Health insurance in the United States is notoriously expensive compared to other developed countries for several reasons. One of the primary factors is the high cost of healthcare services and treatments. The United States spends more per capita on healthcare than any other country, and these high costs are passed on to consumers through insurance premiums.

Another factor is the complexity of the US healthcare system, which involves a wide range of players, including insurance companies, healthcare providers, pharmaceutical companies, and government agencies. This complexity can lead to administrative inefficiencies and higher costs.

There are several alternatives to traditional health insurance that individuals can consider, including:

1. Health savings accounts (HSAs): HSAs are tax-advantaged savings accounts that can be used to pay for qualified medical expenses. They are typically paired with high-deductible health plans, which have lower monthly premiums but higher out-of-pocket costs.
2. Direct primary care (DPC): DPC is a membership-based model of healthcare that provides primary care services for a flat monthly fee. This model allows for more personalized care and greater access to healthcare providers.
3. Telehealth services: Telehealth services like Betty Health offer virtual consultations with licensed medical professionals, making healthcare more accessible and convenient for patients. This virtual-first approach can also help to reduce healthcare costs by eliminating the need for in-person visits.
4. Healthcare sharing ministries: Healthcare sharing ministries are faith-based organizations that allow members to pool their money to pay for healthcare expenses. These organizations are not insurance and do not guarantee payment, but they can be a more affordable alternative to traditional insurance for some individuals.

While these alternatives may not work for everyone, they offer different options for individuals who are looking for more affordable and personalized healthcare solutions. It's important to carefully evaluate the pros and cons of each option and choose the one that best meets your individual needs and budget.

See how you can use Betty Health as a stand-alone, or pair it with any of the above options, as well as traditional insurance via a high deductible health plan.