From 128 options to 1 perfect health insurance plan:

James Williams,* a father of four, is in his mid-50s and lives in Tennessee. He retired early in 2018 and received three years of healthcare from his employer after he left.

*James’ real name has been changed to protect his and his family’s privacy.

Early retirement and a move to Europe made health insurance tricky

At the end of 2021, James’ health insurance through his old employer was expiring. He was enjoying his freedom and looked forward to moving to Switzerland with his family. But two major health insurance decisions were looming over him.

First, he had to figure out his US health plan for six months before moving to Switzerland. He could extend his existing plan through COBRA or look for something else. Earlier, his old employer had covered the costs, but with COBRA 100% of the expenses would fall onto James.

Then, after a year in Switzerland, James would once again have to find the right health plan for his family.

James found a trustworthy, quick & simple solution in Predictabill

James engaged Predictabill to help him sort through a dizzying array of options. Before moving to Switzerland he picked COBRA.

“I trusted Predictabill to start with. When sharing your personal information, it’s tricky to do it with some random website you find online.”

On their return to Tennessee, COBRA was no longer an option. James had dozens of plans to choose from in the Health Insurance Marketplace. It was impossible for him to go through each one to see if his preferred doctors were in or out of network. 

“There's millions of us who are in that sandwich generation where we don't have full-time employment, but we're not going to get Medicare for a while. You have to go into healthcare.gov, and that's where it gets tricky.”

A time-saving process with a user-friendly interface 

Creating an account, James submitted his family's medical information. This included planned medical treatments and their preferred doctors, OB/GYN and pediatrician.

Predictabill provided him with tailored options for his family. At a glance, he could see the estimated costs and what was included.

“Predictabill is pretty awesome. I prefer using it to an insurance broker because of its true independence vs many brokers with limited offerings or who steer us to specific plans.”

From overwhelm to 1 perfect money-saving health plan

In 2023, Predictabill helped James narrow down 128 plans into 3 simple options. The same pattern followed in the following years.

“Predictabill found us the perfect plan. It was so good we got more than our money's worth. The plan was so much better for us than for the insurance company, that they discontinued it! In 2024 it happened again. It’s pretty good.”

Coverage with an unexpectedly wide range for all his family’s needs

The perfect plan included all the healthcare professionals he wanted for his family. During the year they added a couple of doctors also covered by the insurance.  James feels there’s no way he’d find insurance like that without spending an inordinate amount of hours. He thinks he'd end up with unwanted costs with out-of-network doctors.

“I probably would have defaulted to the most expensive plan, thinking it gets me the best coverage. And it turns out, with Predictabill, that wasn't necessary.”

If James ever finds himself needing a new plan, he will definitely use Predictabill again.