The Healthcare Secret Jewish Families are Using to Save $30,000 PER YEAR
Kosher Money
Living Lchaim
4.9 • 843 Ratings
🗓️ 26 November 2025
⏱️ 96 minutes
🧾️ Download transcript
Summary
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.
👉 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: preferred@unitedrefuah.org
Eli referenced a video of a Dr. Potter: https://youtu.be/tsvAatLY5s4
CHAPTERS:
00:00 Intro
01:01 Americans Are Spending So Much on Health Insurance
01:48 The Stats
02:43 Health Insurance Costs
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 Care
17:32 Self Pay vs Insurance
19:40 Understanding the Costs
20:20 Its Many Members
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 ✬
Finally! Kosher Debt Help offers people honest, agenda-free guidance for Jewish families struggling with debt. Get an assessment and personalized direction at https://www.kosherdebthelp.com
Get a free Jewish financial coach from the OU: https://livingsmarterjewish.org/
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New website: https://www.livinglchaim.com/
Support Kosher Money: https://www.livinglchaim.com/donate
Reminder: This episode or description is not financial advice. Always do your own research.
Kosher Money is the bi-weekly podcast from Living Lchaim, hosted by Eli Langer.
#KosherMoney #LivingLchaim #KM
Transcript
Click on a timestamp to play from that location
| 0:00.0 | What if your family could cut health care costs by tens of thousands of dollars every year |
| 0:05.6 | without losing the care that you rely on? |
| 0:08.7 | You've seen the ads, you've heard friends talk about it, it's called a health share. |
| 0:12.7 | In this case, United Rufuah's health share. |
| 0:15.3 | But what is it really? |
| 0:16.6 | And could it actually work for you and your family? |
| 0:19.4 | That's what we're going to get into today. Stick around because every second you listen, you're going to get smarter. And oh, you might just save tens of thousands of dollars. Before we get into it, Rabbi Moish Katz asked me to read the following disclaimer. You know, compliance purposes. This discussion is for general informational purposes only. It does not constitute legal, medical, insurance, or financial advice. United Rufua Health Share, which is based in Cleveland, is not insurance. It does not guarantee payment and does not guarantee access to any provider or any particular outcome. All sharing within United Rufua is subject to the programs published sharing guidelines, eligibility, criteria, and review processes. Listeners, that's you, should consult with qualified professionals regarding their personal, medical, financial, or legal decisions. |
| 0:59.5 | Examples discussed in this brilliant episode are for illustration purposes only, and they do not constitute promises or guarantees of future sharing. Enjoy. |
| 1:02.8 | Redmish cats, I want to tell you a stat. |
| 1:09.1 | Americans now spend more on health care than groceries or housing. |
| 1:11.1 | True or false. For most people, that is a true number. |
| 1:13.2 | That is very, very scary. |
| 1:15.3 | That's a lot of money. |
| 1:16.6 | It is a lot of money. |
| 1:17.7 | I'll just give you one baseline case. |
| 1:19.9 | A woman in Lakewood called me up that she got her renewal quote for her health insurance premium. |
| 1:25.4 | $48,000 for her family for the year, $13,000 maximum out of pocket. |
| 1:31.2 | That's $61,000 just on health care for the year, assuming that she uses her out-of-pocket expenses. |
| 1:38.2 | How many people aren't getting health care from work for free? Is that most people? |
| 1:43.9 | In our community, I would put it about 50-50 today. |
| 1:47.1 | I would say about 50% of our community has some form of offer from their employer or a health |
| 1:53.9 | care insurance plan. I would say about 15% probably have the Medicaid or other good subsidized insurance plan through the healthcare |
... |
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