Health Insurance Mistakes That Could Cost You Thousands

Health Insurance Mistakes That Could Cost You Thousands This Year

Choosing the right health insurance plan isn’t just a box to check off—it’s a decision that can impact your health, your wallet, and your peace of mind. Unfortunately, many people make common mistakes that lead to surprise bills, denied claims, or even losing coverage altogether.

Let’s walk through some of the most costly health insurance mistakes—and how you can avoid them before it’s too late.

🚫 Mistake #1: Assuming You’re Automatically Covered

Why it’s risky: Many people think their coverage will renew automatically or that their employer has them covered. But changes in employment, income, or family status can leave you uninsured without realizing it.

How to avoid it: Always double-check your plan status during open enrollment or after any major life event. We can help!

💸 Mistake #2: Choosing the Cheapest Plan Without Reading the Fine Print

Why it’s risky: Low monthly premiums are tempting—but they often come with high deductibles and limited networks. That means you could end up paying thousands out-of-pocket when you actually need care.

How to avoid it: Look beyond the price tag. Consider deductibles, copays, coinsurance, and provider networks.

🕒 Mistake #3: Missing the Enrollment Deadline

Why it’s risky: If you miss open enrollment, you could be locked out of coverage for the rest of the year—unless you qualify for a Special Enrollment Period.

How to avoid it: Mark your calendar and work with a licensed agent (like us!) who can help make sure you don’t miss out.

🧾 Mistake #4: Not Reporting Life Changes

Why it’s risky: Getting married, having a baby, moving, or changing jobs can all affect your health plan eligibility. If you don’t report changes promptly, you might lose coverage or overpay.

How to avoid it: Notify your insurance provider or agent immediately when your situation changes.

💡 Mistake #5: Not Using an Expert

Why it’s risky: Health insurance is complex. One wrong assumption or missed detail can cost you big time.

How to avoid it: Work with a local, licensed agent who can help you compare plans, explain your benefits, and make the best choice for your needs.

🛡️ Don’t Make These Mistakes—We’re Here to Help

At Mountaineer Health and Life Insurance, we make sure our clients understand what they’re buying and don’t get stuck with surprise costs or gaps in coverage. Whether you’re shopping for yourself, your family, or your business, we’ll walk you through every step.

📞 Ready to review your current plan or explore your options? Contact us today for a no-cost consultation.

➡️ Let’s protect your health and your wallet. Schedule your review now.