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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.

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

May 9, 2023 in Health tagged healthy body / nature / nutrition / Wellness by Jose Lerma

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

April 11, 2023 in Health / News tagged CMS / economics / hospitals / insurance and finances / public health by Jose Lerma

A second opinion is a viable option that can confirm a diagnosis. — Seeking medical care and following a treatment plan is essential to maintaining good health, but sometimes we may feel unsure or uncomfortable with a diagnosis or treatment plan. In such cases, seeking a second medical opinion can provide valuable information and insight. These situations may require more specialized care or […]

Should You Get a Second Opinion?

March 21, 2023 in Health / News tagged disease treatment / healthcare providers / provider tips by Jose Lerma

A full glass cheering to the benefits of water. — Water is essential for human survival, and it is vital to take a moment to learn about the benefits of water for our overall health and well-being. Water helps us maintain a healthy weight, keeps our body correctly functioning, and has many other benefits you might not know. There is […]

Benefits of Water

January 31, 2023 in Health tagged Disease Prevention / healthy body / healthy habits / lifestyle tips / Wellness by Jose Lerma

Resolutions you can keep that will not take away from your life. — The start of 2023 brings you an excellent opportunity to create New Year resolutions you can keep. Doing so will help you make the most of your new year. It’s no surprise that many people use this time to pledge their commitment to making healthy lifestyle changes to improve their well-being in […]

New Year Resolutions You Can Keep

January 10, 2023 in Health tagged exercise / Health Goals / mental health by Jose Lerma

Cancer Screenings can provide early detection. — Cancer screenings are the last thing on our minds with the holiday season in full swing. Sleighs bells ringing, people singing, and all things being merry and bright, the last thing we want to consider is that awful C-word. But did you know that if more people received preventive screenings, then approximately […]

Cancer Screenings are Important

January 3, 2023 in Health tagged cancer / Disease Prevention / lifestyle tips by Jose Lerma

Aca subsidies extended thumnail — In August of 2022, President Joe Biden signed the Inflation Reduction Act of 2022 into law. Within the act, there are many provisions, including energy, environmental, and tax provisions. The law has extended ACA subsidies for the next three years. The expanded premium tax credits were first introduced and enacted in […]

Extended ACA Subsidies in the IRA

September 13, 2022 in Health / life / News tagged aca / insurance and government / insurance subsidies by Jose Lerma

subsidy expiration thumbnail — How will the subsidy expiration in 2023 affect you? During the recent Open Enrollment Period, a record-breaking 14.5 million people signed up for health insurance coverage through federal Marketplace and State-based Marketplaces. ARPA (American Rescue Plan Act) increased Affordable Care Act (ACA) premium subsidies and extended eligibility to all income brackets. Between […]

Subsidy Expiration in 2023

August 2, 2022 in Health / News tagged healthcare news / insurance subsidies / tax season by Jose Lerma

A fire's flames burn charcoal. — Temperature and the Body As the spring season comes to a close and a bright summer draws near, people anticipate spending time on vacation. We can all imagine the beach, the warm temperature, and longing for an ice-cold beverage. Whether it is relaxing in a nice sunny place or cooling […]

Temperature and the Body

May 31, 2022 in Health tagged health risks / healthy body / nature by Jose Lerma