Understanding the Major Factors Driving Healthcare Costs and How GSS Can Help You Save

Healthcare stands as one of the largest expenses for American families, small businesses, and self-employed individuals. Many feel trapped by soaring costs, where even insurance doesn't alleviate the burden. Rising premiums, unexpected medical events, and sudden out-of-pocket costs can leave anyone in a tough financial spot. With healthcare costs continually increasing, it's essential to understand what drives these expenses.

At Gilbert Services Southwest (GSS), our mission is to help families, freelancers, and small business owners regain control over their healthcare expenses. Let's explore the five major factors impacting your healthcare costs and learn how GSS can assist in reducing these financial burdens.

1. Rising Premiums

Each year, insurance premiums seem to rise. For families, this can feel like an invisible weight, comparable to adding another mortgage payment. In 2023, individuals paid an average of $7,911 on premium costs alone, while families paid around $22,221 annually. For self-employed workers and contractors, who pay these premiums entirely out of pocket, the financial strain becomes even more significant. In 2025/ 2026 the rates are increasing , so many will not be able to afford the monthly Premiums, let alone out of pocket costs.

Rising healthcare costs calculator

GSS Solution: We help clients analyze various plans that align with their needs and budgets. For example, our coaching has helped clients save an average of $500-1000 monthly by finding better-suited coverage. Income Protection is the Key!

2. Out-of-Pocket Costs: Deductibles, Copays, and Coinsurance

After paying high premiums, many find themselves shocked by additional costs. For 2023, the average deductible for an employer-sponsored health plan was $1,763. Depending on the plan, copays for doctor visits average around $25 to $50 per visit, and coinsurance can require a percentage of costs post-deductible, often 20%. This number will Increase this year in 2025 and into 2026, in some case 2-3x more, are you ready?

GSS Solution: Our valuable insights help clients find plans that reduce deductibles, copays, and coinsurance. By aligning plans with healthcare needs, we can lower personal expenses significantly.

3. The Cost of Hospitalizations and Accidents

Hospital stays carry staggering expenses, often summing thousands of dollars. In fact, the average cost of a three-day hospital stay is around $30,000. These expenses can be a daunting hit, especially when unexpected surgeries or emergency visits pop up. Depending on the Issue, cost can be as High as $250K or more!

GSS Solution: We help clients understand their options for hospital coverage and how to choose suitable plans. With the right plan in place, clients can substantially lessen the financial impact of surprise medical events.

4. Critical & Chronic Illnesses

Chronic illnesses such as diabetes, heart disease, and cancer are prevalent, creating serious financial drain on households. Patients with these ongoing conditions may need continuous treatment, which leads to an average of $9,000 in annual costs. This can include medications, regular doctor visits, and specialized treatments. Serious or Life threatening Illnesses could have costs above $500K before it's all said and done, Heaven forbid you don't make it home.

GSS Solution: At GSS, we prioritize finding plans that offer excellent coverage for chronic conditions. We guide clients through their options to ensure they receive needed care without overwhelming expenses.

5. Increasing Maximum Out-of-Pocket Limits (MOOP)

MOOP limits aim to protect consumers from excessive healthcare costs. However, these limits have steadily increased over the years. In 2024, the average MOOP limit reached $8,700 for individuals and $17,400 for family plans. This growing financial risk makes it harder to afford necessary care even for insured individuals. Now in 2025/ 2026 the Max are rising again, Healthcare is Flawed.

GSS Solution: We assist clients in identifying plans with manageable MOOP levels or N0 MOOP, aiming for options that provide protection against high costs. Our expertise ensures peace of mind and improved financial security for our clients.

Your Path to Financial Comfort in Healthcare

Understanding the factors driving healthcare costs is crucial for managing your expenses. Rising premiums, hefty out-of-pocket costs, hospitalizations, chronic illnesses, and increasing MOOP limits all add to the financial stress many face today.

At GSS, we are dedicated to helping clients navigate this complex landscape. Through personalized support and tailored advice, we empower families, small business owners, and self-employed individuals to make informed choices that can lead to significant savings. GSS can help you avoid exposures and even bankruptcy as well.

If you feel overwhelmed by rising healthcare costs, reach out to GSS. Together, we can find effective solutions that safeguard your financial future.

CONTACT GSS NOW-

Ready to Reduce Your Healthcare Costs?

Don’t let rising premiums and unexpected medical bills take control of your finances. Let GSS show you how to save money, lower out-of-pocket costs, and protect your Family, Business, or Income TODAY!

👉 Schedule your FREE review with GSS today and start Saving Now.

📞 [480-454-1977 or 480-799-1748}🌐 [https://gilbertservicessouthwest.com]