Employee in the USA? Your Health 'Benefit' Might Be a Financial Trap

    Whether you have an overpriced company plan, limited family coverage, or no insurance through work, better private options exist.

    Read the section that matches your current reality

    I Have an Employer Plan (But it's bad)

    Your employer pays part, but your share remains huge for mediocre coverage. You're facing an $8,000+ deductible, the doctor network is tiny, and adding your spouse or children costs a fortune. You feel stuck with a useless plan.

    • •Don't pay for insurance you can't use because of the deductible.

    I Have No Plan (Or I'm on a Visa)

    Your employer (or startup) offers nothing. You're exposed to 100% of U.S. costs. If you're on a Visa (H1B, J1, L1...), being uninsured is a major risk for your compliance and future Green Card applications (public charge risk).

    • •On a Visa? Insurance isn't optional—it's legal protection.

    The Alternative: The Flexible Private Plan

    • National PPO Network—keep your doctors.
    • Lower deductibles—your insurance pays faster.
    • Portable coverage—keep your plan even if you change jobs.

    Don't Navigate Alone: Add 'Pro Help'

    Your company's HR won't help you understand the traps in their plan. With the Pro Help subscription, we become your personal 'Benefits Department.' We analyze your employer's options against the private market to find the true best financial choice.

    Free Guide:

    "The Employee's Guide to Better U.S. Health Insurance"

    • • How to evaluate your employer plan
    • • Private vs. group coverage comparison
    • • Visa compliance checklist
    • • Family coverage cost optimization