Every year, thousands of Americans face unexpected medical emergencies without health insurance — and the consequences go far beyond hospital invoices.

When you owe money for medical expenses, those debts can quickly turn into legal and financial liabilities:

1. Unpaid medical bills may be sold to collection agencies, damaging your credit for years.

2. Hospitals and providers can pursue judgments or wage garnishments through court action.

3. Even a short hospital stay can become a long-term financial burden that impacts your ability to qualify for loans, housing, or business financing.

As a financial advisor, I understand how rising health insurance rates can be frustrating — but the cost of going without coverage is almost always higher. Health insurance isn’t just a medical safety net; it’s asset protection. It shields your income, your credit, your retirement, and your peace of mind.

At The Franco Suarez Agency, we help individuals, families, and small business owners find affordable health coverage options — including ICHRA and HRA plans that let you customize benefits and control costs.

✅ Protect your health.
✅ Protect your assets.
✅ Protect your future.

Let’s find a plan that works for your budget before a medical emergency finds you.

📞 Schedule a consultation today — your future self will thank you.