Why Health Insurance Costs Keep Rising—And What You Can Do About It

Health insurance costs have skyrocketed in recent years, placing an increasing financial burden on individuals and families. Premiums, deductibles, and out-of-pocket expenses continue to climb, but why? And more importantly, what can patients do to take control of their healthcare costs?

Why Are Health Insurance Costs Rising? Several key factors are driving up the cost of health insurance:

• Administrative Costs: A significant portion of healthcare spending goes toward administrative overhead, not actual medical care.

• Prescription Drug Prices: Drug costs in the U.S. are among the highest in the world, contributing to rising insurance premiums.

• Increased Medical Costs: As hospital and provider charges rise, insurers pass these costs down to patients in the form of higher premiums.

How Patients Are Paying the Price Many people now spend more on health insurance than ever before, yet they still face high deductibles and surprise medical bills. Some are even forced to delay or skip care due to cost concerns.

How Kurv Health Helps Reduce Costs Kurv Health is changing the healthcare model by offering transparent, membership-based pricing that eliminates hidden fees and insurance markups. By paying providers directly and offering instant reimbursements, we help members save significantly on medical expenses while maintaining full access to quality care.