HoldsUp

Dr. Tyna Moore · 2026-06-15 · Tyna Moore (host), Danielle Drori

The Truth About Health Insurance From a Doctor Who Rejected It | Knew Health

10 research-tied claims examined: 1 contradicted 1 overstated 1 context 4 supported 3 corroborated online

1

Contradicted by research

0:34:49Danielle Droricontradictedmoderate

The most common blood tests requested by a physician during a standard physical exam are a complete blood count (CBC), a metabolic panel, and an insulin test.

"typically the most common ones that a doctor wants at a physical are the CBC, the metabolic panel, and insulin." (said at 0:34:49)

The speaker claims that a complete blood count (CBC), metabolic panel, and insulin test are the most common blood tests ordered by a physician at a physical examination. While complete blood counts, chemistry/metabolic panels, and lipid profiles are frequently ordered case-finding laboratory tests during general ambulatory examinations, routine insulin testing is not standard practice or among the most commonly requested routine screening blood tests.

1

Overstated

0:45:12Danielle Drorioverstatedlow

Joshua Rosenthal originated and started the health coaching industry.

"He actually started the whole health coaching industry." (said at 0:45:12)

While Joshua Rosenthal founded the Institute for Integrative Nutrition (IIN) in 1992, which became a prominent commercial training institution for health coaches, he did not single-handedly start or originate the health coaching industry. The broader health and wellness coaching field developed collaboratively across several decades through numerous independent clinicians, behavioral psychologists, and educational pioneers—including figures such as Michael Arloski, Linda Bark, Georgianna Donadio, Meg Jordan, and Margaret Moore—who established professional wellness coaching models, clinical standards, and training programs across medicine, nursing, and psychology.

1

Needs context

0:25:04Tyna Moore (host)needs contexthigh

Most regenerative injection therapies do not have specific CPT billing codes.

"a lot of what I did was regenerative injection therapies and those are not—there's not even a CPT code for most of those" (said at 0:25:04)

The claim that there is no CPT code for most regenerative injection therapies is partially correct but requires qualification. Specific CPT codes do exist for certain prominent regenerative treatments; for example, CPT code 0232T was created specifically for platelet-rich plasma (PRP) injections (including harvesting, preparation, and ultrasound guidance). However, many other regenerative injection modalities—such as dextrose prolotherapy, stem cell therapies, and autologous blood injections—do not have dedicated, specific CPT category I codes and are typically billed using unlisted Category I codes, HCPCS S-codes (e.g., S1090), or broader musculoskeletal injection codes, often without insurance coverage.

4

Supported by research

0:22:01Danielle Drorisupportedhigh

Doctors and hospitals are legally required to provide a price quote or good faith estimate for surgery or medical procedures ahead of time upon request.

"If you ever need a surgery ahead of time, you can also ask your doctor and hospital for a quote and they legally have to provide it to you" (said at 0:22:01)

The claim is supported by US federal healthcare regulations. Under the No Surprises Act (effective January 1, 2022), healthcare providers and facilities are legally required to provide a Good Faith Estimate (GFE) of expected medical charges before scheduled non-emergency care or upon request for uninsured and self-pay individuals, as well as obtain explicit financial consent regarding expected charges for out-of-network non-emergency services.

0:11:44Danielle Drorisupportedmoderate

Health sharing arrangements have existed for over 40 years and the majority are religious-based organizations requiring a statement of faith.

"The concept's been around, I would say for over 40 plus years, but it has always been very popular with a lot of religious communities. So, I know you mentioned that a little bit earlier. Most other health shares are religious based. So, a lot of them will have to take like an oath of Christianity, for example" (said at 0:11:44)

Health care sharing ministries (HCSMs) trace their modern origins to the early 1980s (e.g., Christian Healthcare Ministries/Christian Brotherhood Newsletter, founded in 1981), operating for over 40 years. Published policy and socio-legal analyses confirm that these arrangements are predominantly faith-based non-profit organizations where members share common religious beliefs and are generally required to adhere to specific moral and religious tenets, such as a Christian statement of faith or church attendance.

0:57:00Tyna Moore (host)supportedhigh

The federal individual mandate penalty requiring Americans to hold health insurance was eliminated under the first Trump administration in 2017.

"Well, aren't we legally obligated to have health insurance? Isn't that a federal law? And I did some digging and realized that it is not anymore. It was overturned by the in the first Trump administration. I think it was like 2017 or 2018. That's no longer a requirement" (said at 0:57:00)

The claim is accurate. In December 2017, the Tax Cuts and Jobs Act was signed into law under the first Trump administration, which reduced the Affordable Care Act's shared responsibility payment (the tax penalty for individuals failing to maintain qualifying health insurance coverage) to $0 (effective beginning in 2019), effectively eliminating the federal financial requirement to hold health insurance.

0:57:24Danielle Drorisupportedhigh

Only five US jurisdictions (California, Massachusetts, New Jersey, Rhode Island, and Washington, D.C.) enforce an individual health insurance mandate with a tax penalty.

"There's only five states that do mandate health insurance. So, there's New Jersey, California, Rhode Island, Massachusetts, and DC. So, those are the states that will mandate it, which means that you will have a tax penalty based on your income" (said at 0:57:24)

Following the reduction of the federal Affordable Care Act individual mandate penalty to $0 in 2019, exactly four states (California, Massachusetts, New Jersey, and Rhode Island) and the District of Columbia enacted and enforce state-level individual health insurance mandates backed by income-related tax penalties. While Vermont enacted an individual mandate requirement, it does not enforce a financial tax penalty for noncompliance.

3

Corroborated by web sources

0:17:53Danielle Droricorroborated (web)

Approximately 83% of medical bills contain an error.

"I read a statistic a couple weeks ago that said 83% of medical bills have an error on them." (said at 0:17:53)

No published record matching the claim that approximately 83% of medical bills contain an error was located; this does not prove the claim false. While figures ranging from 80% to 83% are frequently cited in consumer advocacy and popular media reports regarding medical billing accuracy, rigorous peer-reviewed empirical studies establishing a precise 83% error rate across medical bills were not found.

corroborated by web sources

Industry estimates and consumer advocacy groups such as the Medical Billing Advocates of America widely report that approximately 80% (and up to 90%) of medical bills in the United States contain errors.

hathr.aibeckershospitalreview.com

0:45:05Danielle Droricorroborated (web)

The Institute for Integrative Nutrition (IIN) was founded over 30 years ago by Joshua Rosenthal and has more than 155,000 graduates across nearly 180 countries.

"The founder of Knew Health is actually His name is Joshua Rosenthal and he started the Institute for Integrative Nutrition. It's the world's largest holistic nutrition school... he started IIN way back when over 30 years ago. There's over 155,000 graduates in nearly 180 countries now." (said at 0:45:05)

No published record matching the claim that the Institute for Integrative Nutrition was founded over 30 years ago by Joshua Rosenthal and has more than 155,000 graduates across nearly 180 countries was located; this does not prove the claim false.

corroborated by web sources

The Institute for Integrative Nutrition was founded in 1992 by Joshua Rosenthal. Educational and biographical sources confirm that the school has trained over 155,000 students and graduates across approximately 175 to 180 countries.

gamechangers.cowikipedia.orgintegrativenutrition.com

1:00:17Danielle Droricorroborated (web)

Knew Health has not experienced a single month where total member needs submitted exceeded total member monthly contributions, and has not raised its rates in over eight years.

"for example, we've never had a single month where the total needs that have been submitted from all of our members has ever exceeded that month's total contributions from our members. So, it's another reason why we haven't raised our rates in a little over eight years." (said at 1:00:17)

No published record matching the claim regarding Knew Health's monthly member needs, member contributions, or rate-setting history was located; this does not prove the claim false.

corroborated by web sources

Knew Health reports that it has not increased member contribution rates in over eight years, noting that total submitted member medical needs have never exceeded monthly contributions in any month of its operation.

reddit.comknewhealth.com

Unverified means no publication matching the claim was located; it does not prove the claim false. Spotted an error? See the corrections policy - disputes from the people quoted are prioritized.