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Yearly Archives: 2026

Catastrophic plans have very high annual deductibles that are generally equal to the plan’s annual maximum out-of-pocket limit, consistent with annual limits established by the Centers for Medicare & Medicaid Services (CMS). — Catastrophic health insurance is a type of high-deductible health plan designed to protect individuals from large medical expenses caused by injury, serious illness, or emergency hospitalization. It primarily serves as financial protection against worst-case medical events, rather than covering routine healthcare needs. In the United States, catastrophic plans are offered […]

What Is Catastrophic Health Insurance?

March 3, 2026 in Health tagged emergency preparedness / health insurance basics / insurance and finances / Wellness by Parker Williamson

mom and dad playing basketball with their kids — Staying healthy is not only about treating illness when it appears. It is about building a proactive strategy that protects your well-being long before symptoms arise. For adults under 65, access to health coverage creates an opportunity to take a more intentional approach to prevention. When combined with smart lifestyle […]

Empower Health Through Preventive Care

February 17, 2026 in Health tagged lifestyle tips / nutrition / preventive care / Wellness by Nora Vargas

A Special Enrollment Period allows you to enroll in or update your Marketplace plan outside the standard enrollment window. — Many people assume they can only sign up for health insurance during the Open Enrollment period. But life doesn’t always stick to a schedule. Events like losing a job, welcoming a new child, or experiencing another major change can happen at any time. When they do, you may still have […]

What is a Special Enrollment Period (SEP)?

February 10, 2026 in Health tagged aca enrollment period / affordable health insurance / special enrollment by Jose Lerma