The Healthcare Struggle 

Care Insures
Published: June 17, 2025

 

 

In times of uncertainty, accessing healthcare shouldn’t feel overwhelming but for many, it does. Whether you’re trying to enroll in a Marketplace plan, support an aging parent through Medicare, or simply understand what options exist for your family, the process can feel confusing, intimidating, and emotionally draining.

 

At Care Insures, we believe that guidance should come with compassion, patience, and clarity. You don’t need to have all the answers. You just need someone willing to walk with you and that’s what we’re here to do.

 

 

 

Why This Matters Now

 

 

Today, more Americans than ever are struggling to afford basic care. According to Gallup News (2025), nearly 4 in 10 adults (39%) report being worried or very worried about being able to pay for care or prescription medicine. This is the highest percentage recorded since tracking began in 2006 (Gallup News, 2025).

 

A report from West Health Institute (2025) confirms that more than one-third of adults in the U.S. say they cannot afford the care they need—with rising medical debt and prescription costs playing a major role in financial instability.

 

Meanwhile, the Kaiser Family Foundation (Lopes et al., 2024) found that 47% of adults struggle to afford healthcare, with even higher hardship reported among Black and Hispanic Americans, the uninsured, and those earning under $40,000 per year. These aren’t just statistics—they reflect the lived experience of families trying to make impossible choices between food, rent, and their health.

 

 

What Makes It So Complicated?

 

 

 

If you’ve ever felt lost trying to figure out your health insurance, you’re not alone. Navigating coverage isn’t just about picking a plan from a list. It’s about trying to make the right decision for yourself or your family, often with limited time, money, or support.

 

It’s about asking:

 

Am I even eligible for anything right now?

What happens if I apply late or miss a form, will I be penalized?

What do words like “deductible,” “coinsurance,” or “out-of-pocket max” actually mean in real life?

If I just lost my job, turned 65, or had a baby does that change what I qualify for?

 

 

And for many, there’s another layer: maybe English isn’t your first language, or you’re helping your parents, grandparents, or kids through a system that feels like it was never meant for everyday people to understand.

 

It’s okay to feel confused. It’s okay to feel tired.

That doesn’t mean you’re doing anything wrong—it means the system is hard.

And that’s why we’re here to help you through it.

 

 

 

You Deserve to Understand Your Options

 

 

 

At Care Insures, our goal is to simplify the process, reduce stress, and empower you with confidence. We believe that:

 

Every person deserves access to clear, kind guidance

No one should feel ashamed for not understanding a system built on complexity

There are more options than most people realize—and we’re here to help you find them

 

 

How We Can Help

 

 

We provide free, personalized consultations to help you understand:

 

Whether you qualify for savings under the ACA

What Medicare options make sense for your stage of life

How to support loved ones with unique coverage needs

And how to protect your family while managing costs

 

 

You’ll never be rushed or pressured. Our goal is to listen first—and guide second.

 

 

 

Because Healthcare Should Come with Care

 

 

 

If you’ve ever said:

 

“I don’t know where to start,”

“This is too confusing,”

or “I’m scared I’ll get it wrong,”

 

 

you are not alone. And you don’t have to go through it alone either.

 

📍While we welcome anyone seeking help, we are currently licensed to directly support residents in New York and Florida.

 

Reach out today for a free consultation, no confusion, just care.

 

Because healthcare should come with care, And that’s what Care Insures is built on.