Jeff has built and grown health insurance marketing and business companies for nearly 30 years, and served as a health care reform advocate for much of his career. He is co-founder of, a leading search and comparison engine for individual health insurance. He is the founder and CEO of Pivot Health, a company. Previously, Jeff was Chief Marketing Strategy Officer and Senior Vice President of The IHC Group, a publicly-traded insurance holding company, and President of American Independence Corp. He was also President of IHC’s fully insured division.

Latest Articles by Jeff Smedsrud

What Does Out-of-Pocket Mean in Health Insurance?

Within the context of healthcare, “out-of-pocket” often refers to out-of-pocket costs – specifically, medical expenses which you pay by yourself, instead of expenses where your insurance foots the…..