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. 
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

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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 20/30/50 rule / 50/30/20 calculator / budget calculator / how to calculate a budget / how to find a budget / how to save money / how to save money for the future by
Discover the remarkable benefits of Moringa.
In the realm of health and wellness, the term superfood is ubiquitous, and within this realm, moringa shines as a verdant champion. The moringa tree has steadfastly emerged as a powerhouse of nutrition. Often referred to as the drumstick tree or the miracle tree, its offerings are as diverse as […]

The Power of Moringa

 in Health  tagged key benefits of moringa / moringa / moringa superfood / powerful leaf moringa / super food of 2023 / super leaf moringa / super nutrient rich moringa by
A life with no insurance can be a risky adventure.
Life is an unpredictable roller coaster, often giving us both breathtaking highs and gut-wrenching lows; it can be like a movie filled with joys, triumphs, and happy endings, and sometimes it is like a box of chocolates. Other times, life may feel like a never-ending game of dip, dive, duck, […]

A Life With No Insurance

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It is important to stay cool in the summer to avoid any heat-related illness.
As we transition from the breezy spring days into the sizzling summer heat, we must consider the potential risks of rising temperatures. Among these risks are the increased chance of obtaining heat-related illnesses. This article aims to share knowledge about these conditions, how to prevent them, and what to do […]

Understanding Heat-Related Illness

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The Debt Ceiling has been an issue for many years. 2
The debt ceiling consistently sparks discussion in the complex arenas of political debate and financial policy. You may have heard the term used in the news, but what does it mean, and why is it significant? While it might appear as a piece of intricate jargon, the reality is that […]

Debt Ceiling: A Crucial Component

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Strawberries are a great addition to any spring garden.
As winter retreats and spring awakens, there’s no better time to start a spring garden and immerse yourself in nature’s rejuvenation. Gardening brightens your surroundings and additionally brings mental, physical, environmental, and economic benefits. As the days grow longer and the sun peeks out from behind the clouds, it’s time to welcome […]

Spring Garden Tips

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The new legislation regarding price transparency in costs will bring clarity to many people.
Price transparency has been a long-standing issue in the healthcare industry. The lack of transparency in pricing makes it difficult for consumers to compare services and limits to their competition. According to a recent study, 50% of Americans are concerned about their ability to afford healthcare, and many people struggle to […]

Price Transparency and Healthcare

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