How Jews are Cleverly Saving Over $30,000 Every Year

We dive into one of the most stressful and expensive parts of American life: healthcare.

• Why are families paying $48,000 a year just to stay insured?
• Why does the system feel so broken?
• Is there another way?

To help us figure it out, we sat down with Moishe Katz, the CEO of United Refuah Healthshare, a Jewish healthshare that’s helping families get real medical care without drowning in costs.
We talk about how it actually works, who it helps (and who it doesn’t), and what it means to take healthcare back into our hands.

It’s one of those episodes that makes you say, “Wait… how did I not know about this sooner?”

👉 Explore all the links & resources in this episode below.

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✬ LINKS FROM EPISODE 103 ✬

United Refuah’s website: https://unitedrefuahhs.org/

Email: info@unitedrefuahhs.org

For doctors interested in being added to United Refuah’s preferred provider network, email: preferred@unitedrefuah.org

Eli referenced a video of a Dr. Potter. Here is that video: https://youtu.be/tsvAatLY5s4

CHAPTERS:
00:00 Intro
01:01 Americans Are Spending So Much on Health Insurance
01:48 The Stats on How Much Families Are Paying
02:43 Why Health Insurance Costs Never Go Down
04:06 What a Health Share Is
05:16 Why United Refuah Started
10:06 How the Health Share Model Works
15:30 Making Sure Everyone Gets the Care They Need
17:32 Self Pay vs Insurance
19:40 Understanding the Costs
20:20 The Many Members of United Refuah Healthshare
20:50 What Happens When More People Join
23:15 Twillory
24:28 The Donors’ Fund
26:48 Incentives for Bringing in New Members
29:05 Increasing Staffing at United Refuah
29:45 What Is the Catch?
32:46 Preexisting Conditions and Family Members
34:17 Other Downsides of Healthshares
37:19 Keeping Track of Payments
39:28 Communicating with Providor
42:18 Typical Out of Pocket Costs
45:35 Determining Fair Prices
46:35 How to Protect Yourself From Overpaying
48:28 BitBean Uses AI to Help Your Business
49:16 Colel Chabad Helps Feed Thousands
51:14 Are Contributions Tax Deductible
52:10 Health Shares and Medication Costs
55:02 Pregnancy and Growing Families
58:10 Dental and Vision Sharing
01:00:30 Doctors Joining the Referred Provider Network
01:00:41 Surveying the Members
01:01:40 Gifting Memberships
01:02:08 Know Your Plan and Deductibles
01:07:47 Never Be Afraid to Ask for Discounts
01:10:10 Member Access to Telehealth
01:10:35 Reaching Out for Medications
01:11:04 Where CPAP Machines Fall
01:12:00 How United Refuah Compares to Other Healthshares
01:14:12 “We’re All In This Together”
01:15:24 Sharing Health Messages With Members
01:16:56 Making Sure Everything Is Legal
01:18:17 Dealing With Emergencies
01:19:46 Reaching Out to United Refuah
01:20:23 How R’ Katz Got Into Health Care
01:22:22 Changing Your Mindset About Others’ Medical Costs
01:23:43 Outro

✬ RESOURCES ✬

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New Living Lchaim website: ⁠https://www.livinglchaim.com/⁠

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Reminder: This episode or description is not financial advice. Always do your own research.

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