Jose Lerma

About Jose Lerma

Jose has been a career agent working with Empower Brokerage since 2021 helping clients from all walks of life find tailored solutions for their healthcare needs. He is passionate about helping people fulfill their dreams and helping clients live a more empowered existence. 
If you’ve scrolled through social media, you’ve probably seen it: influencers, athletes, even your next-door neighbor, all braving icy baths or gasp-inducing cold showers—all in the name of health. Cold plunging has swiftly moved from fringe wellness trend to mainstream practice, with Google searches for “cold plunges“ exploding over the […]

The Science-Backed Benefits of Cold Plunging

 in Health  tagged health trends / healthy habits / lifestyle tips / living long by
What are the different types of health coverage available?
Health insurance is one of the most critical tools for protecting your financial and physical well-being. Whether you’re an individual or part of a family, having the right health coverage ensures you can access necessary medical care without facing overwhelming costs. But, Health coverage isn’t just a safety net; it’s […]

What Are The Major Types of Health Coverage?

 in Health  tagged health insurance basics / short term medical plans / understanding aca/obamacare / Wellness by
This fall, significant changes will be introduced to short-term, limited-duration insurance (STLDI) plans, impacting how they are offered and utilized across the United States. Effective  September 1, 2024, these adjustments will redefine the scope and function of short-term health plans, aligning them more closely with consumer protection standards. The government’s changes seek […]

Short Term Plan Changes Coming in September

 in Uncategorized  tagged health industry changes / healthcare news / insurance industry changes / insurance news / short term medical plans by
Keeping a good work-life balance is something we all need to learn.
Remember that feeling of spinning plates on sticks, hoping none go crashing down? Yeah, that’s pretty much adulthood now. Between chasing promotions and wiping sticky hands, achieving “work-life balance” feels like winning the lottery. How do you achieve the status of SuperMom/Dad and climb the corporate ladder? How do you […]

Workplace Wellness Tips

 in Uncategorized  tagged balance life and work / how to avoid an unhealthy work life balance / how to deal with a stressful work life balance / how to maintain a healthy work-life balance / tips for work-life balance / work-life balance by
How can your budget help you save for the future?
Photo by Karolina Grabowska from Pexels Empowering Your Finances with the 50/30/20 Rule Navigating financial intricacies is a challenge many individuals face, particularly those who have issues with keeping expenses within their budget. Amid these challenges, the quest for clarity and a dependable method becomes paramount. Enter the 50/30/20-rule, a […]

Budget Smarter, Live Better with the 50/30/20 Approach

 in Health / News  tagged insurance and finances / managing debt / medical debt by