The Franco Suarez Agency - Blog #Health Savings Account HSA

The Cost of Going Without Health Insurance

Mon, 10 Nov 2025 19:22:40 -0600

It’s More Than Just a Bill

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.

Disclosure: This material is for informational purposes only and should not be considered legal, tax, or insurance advice. Please consult a qualified professional regarding your specific situation.

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Big Tax Savings Ahead for Millions of Americans

Sun, 26 Oct 2025 09:14:41 -0600

More People Can Save Taxes on Health Expenses With These Accounts Under the New Law 💰

Starting January 1, 2026, about 10 million more Americans will become eligible to open Health Savings Accounts (HSAs)—thanks to new rule changes in the tax bill signed into law this July.
For years, HSAs were limited to individuals with high-deductible health insurance plans—mostly through employer coverage. But the new law broadens access to include people enrolled in certain Affordable Care Act (ACA) marketplace plans and other healthcare structures that were previously excluded.
This is the first major expansion since HSAs were introduced in 2003, and it could change the way millions of Americans manage medical costs and save for retirement.

What Makes HSAs So Powerful?

HSAs offer a triple tax advantage:
Contributions are tax-free (or deductible if you contribute directly).
Earnings grow tax-deferred.
Withdrawals for qualified healthcare expenses are tax-free.
Even better—if you don’t use the funds for healthcare, the balance can continue growing like a 401(k),
creating an extra cushion for medical expenses in retirement.
According to Kevin Robertson, Chief Growth Officer for HSA Bank,
the average person will need between $150,000 and $250,000 for healthcare in retirement.
“HSAs are the most powerful way to pay for those expenses because of their tax advantages,” he says.

How HSAs Work for You

If your employer offers an HSA-eligible plan, you can make pretax contributions directly from your paycheck. Self-employed or marketplace enrollees can open an HSA through a financial institution and deduct their contributions when filing taxes.
Funds can be used to pay for a wide range of expenses—from doctor visits and prescriptions to dental, vision, and even some over-the-counter products.
And starting in 2026, more plans will qualify, giving millions more Americans the chance to build tax-free healthcare savings while preparing for long-term security.

Takeaway

This expansion of HSAs is a major win for taxpayers and families managing healthcare costs. Whether you’re an employee, a business owner, or enrolled through the ACA marketplace, now is the time to
plan ahead and take advantage of these new savings opportunities.
At The Franco Suarez Agency, we can help you understand how HSAs fit into your retirement, health, and tax planning strategy—so you can keep more of your money working for your future.

Get Started Now

It’s Only Gotten Worse”: Texas Businesses Face Soaring ACA Premiums — But Affordable Options Still Exist

Thu, 23 Oct 2025 11:52:38 -0600

Don’t let rising health insurance costs squeeze your small business. The Franco Suarez Agency helps Texas employers and their teams find smarter, affordable coverage before it’s too late.

As a Texas business owner, you already manage hundreds of moving parts — payroll, marketing, operations, staffing, and more. One thing you shouldn’t have toworry about? Whether your team has quality health coverage that fits your budget.

Here’s the challenge: Recent reporting shows that premiums under the ACA are climbing — especially in states like Texas — and many small business owners, their employees and families may face unexpected cost hikes.
That means:

Your employees might be paying more out-of-pocket.

Some may drop coverage because the cost simply becomes too high.

As a business, you could face harder conversations, lost productivity, or worry about losing good people.

Why the Franco Suarez Agency is your partner:

We specialise in serving small businesses in Texas and understand the unique local marketplace + regulations.

We proactively scan affordable health-coverage options (including group plans, marketplace options, alternative funding approaches) to find what fits your size, your budget and your team’s needs.

We stay current with changes: subsidies, tax credits, premium shifts, local state policies — especially important in a time when “business as usual” is changing.

We make it simple. We’ll walk you and your employees through options, enrollment periods, margins, support — so you don’t have to figure it all out on your own.

What to do next:

Let’s schedule a free consultation — no pressure, just a look at where you stand today.

We’ll map out your current health-coverage status: what you pay, what your employees pay, what kinds of coverage they have.

We’ll identify 2-3 affordable alternative options tailored for your business size and employee mix.

We’ll walk through implementation: enrollment, employee communication, cost-management strategies.

Schedule a Free Consultation

Final Call for ACA 2025 Coverage

Mon, 13 Jan 2025 15:03:36 -0600

The Franco Suarez Agency to the Rescue!

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🚨 Stop everything! The ACA open enrollment deadline is January 15th, and The Franco Suarez Agency is here to save the day. Think of us as your healthcare sherpa, guiding you through the jungle of plans, premiums, and paperwork—without the headaches. 🩺💊

Why Act Now (With Us, Of Course)?

🏥 Avoid those "How did this ER visit cost THAT much?" moments.
🌟 Affordable, personalized plans tailored just for you.
🧘 Say goodbye to healthcare stress—we’ve got you covered.

Why Franco Suarez Agency?

Because figuring out healthcare alone is like trying to assemble furniture without instructions. We're the pros who make it simple, clear, and pain-free (no ibuprofen needed).

What to Do:

Visit HealthCare.gov or reach out to The Franco Suarez Agency today .
Tell us your needs—we'll handle the rest like the healthcare ninjas we are. 🥷
Sit back, relax, and bask in the glow of being totally covered for 2025.

⏳ Deadline Alert: Don’t miss your chance to lock in coverage. Let Franco Suarez Agency cure your healthcare headaches—before the clock runs out!

👉 Contact us now! Your future self (and wallet) will thank you.

Get Started Now

2025 Health and Financial Resolutions

Fri, 03 Jan 2025 04:39:17 -0600

The Best Time to Start Your Health and Financial Plan

The dawn of a new year often inspires us to set ambitious goals—to get healthier, manage finances better, or simply build a life we love. But 2025 isn’t just any year. With new and evolving tools like Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), and Section 125 plans, this year offers unparalleled opportunities to achieve your health and financial goals simultaneously.

Let’s explore why now is the perfect time to take action and how these tools can help you maximize your potential.

Why Start in 2025?

Tax Advantages Are More Valuable Than Ever With rising healthcare and living costs, every dollar saved matters. Tools like HSAs, HRAs, and Section 125 plans offer significant tax advantages, enabling you to stretch your money further. By leveraging these tools, you can lower taxable income, reduce healthcare expenses, and boost savings without cutting corners.
New Year, Fresh Opportunities Many employers reset benefits at the beginning of the year, making it the ideal time to enroll in or optimize your benefits. Starting now ensures you maximize annual contribution limits and take full advantage of employer matches or reimbursements.
Growing Awareness of Health and Financial Interdependence As we better understand the connection between financial stress and overall health, 2025 is shaping up to be a pivotal year for integrated planning. With the right approach, you can improve both your physical and financial well-being.

Maximizing Your Goals with HSAs, HRAs, and Section 125 Plans

Health Savings Accounts (HSAs)

HSAs are powerful tools for individuals with high-deductible health plans (HDHPs). Contributions are tax-deductible, grow tax-free, and can be withdrawn tax-free for qualified medical expenses. In 2025, contribution limits have increased, allowing for more savings. Plus, HSAs double as retirement accounts—after age 65, funds can be used for non-medical expenses (taxed like a traditional IRA).

Pro Tip: Invest a portion of your HSA funds to take advantage of long-term growth opportunities.

Health Reimbursement Arrangements (HRAs)
HRAs, funded entirely by employers, reimburse employees for qualified medical expenses. They’re especially beneficial for businesses looking to offer customizable benefits without a one-size-fits-all approach. In 2025, Individual Coverage HRAs (ICHRAs) and Qualified Small Employer HRAs (QSEHRAs) continue to gain traction, offering employees more control over their healthcare choices.

Pro Tip: If your employer offers an HRA, use it to cover recurring expenses like premiums or out-of-pocket costs, freeing up personal funds for other goals.

Section 125 Cafeteria Plans
Section 125 plans allow employees to pay for eligible expenses like health insurance premiums, childcare, and commuter benefits using pre-tax dollars. This can result in substantial savings and increased take-home pay.

Pro Tip: Coordinate your Section 125 plan with other tax-advantaged accounts to maximize savings.

Steps to Get Started

Assess Your Needs Take stock of your current health and financial situation. What are your biggest challenges and priorities? This will help you determine which tools are most beneficial.
Talk to Your Employer or Franco Suarez Review the benefits available to you and ask questions. Employers often provide resources or consultations to help employees navigate their options.
Create a Plan Set specific, measurable goals for 2025. For example, aim to max out HSA contributions, use your HRA to cover a specific expense, or allocate a certain percentage of income to pre-tax benefits.
Monitor and Adjust Life changes—and so do your needs. Regularly review your plan to ensure it’s aligned with your goals and take advantage of mid-year adjustments if necessary.

2025: Your Year of Optimization

The tools are here. The opportunities are clear. By starting your health and financial plan now, you’re not just setting goals—you’re building a foundation for lasting success. HSAs, HRAs, and Section 125 plans aren’t just acronyms; they’re keys to unlocking a healthier, wealthier you, when you use them properly.

Make 2025 the year you take control of your future—one smart step at a time.

Get Started Now

The Health Insurance Cost Rollercoaster

Mon, 09 Dec 2024 17:21:26 -0600

Why It's Time to Rethink Your Plan

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A Quick History of Rising Premiums

Health insurance premiums have skyrocketed faster than inflation and wage growth. In 2000, the average premium for single coverage was $4,698 (adjusted for inflation). By 2023, that number had jumped to $8,182—a 74% increase! Family coverage? A staggering $23,938 in 2023, more than double the cost two decades ago.

What’s worse, employees are shouldering more of the burden. In 2000, workers paid 16.9% of the cost for single coverage; by 2023, it was 20%. Family coverage went from 23.8% to 28.8%. Ouch.

The takeaway: Everyone’s paying more, and no one’s thrilled about it.

Midsize Firms: Stuck in the Middle

If you’re running a midsize business (25–99 employees), you’ve got a unique challenge. Your employees pay more for healthcare while receiving less employer support than those at smaller or larger firms.

Single Coverage: Employees pay $1,810 (above the national average of $1,640).
Family Coverage: Employees fork out $8,839 (compared to the national average of $6,889).

Small businesses often benefit from tax credits, and big corporations have the cash to offer stellar benefits. Midsize firms? They’re caught in the middle, often shifting costs to employees.

Our solution: A QSEHRA (Qualified Small Employer HRA) or ICHRA (Individual Coverage HRA) can level the playing field, giving midsize firms the flexibility to compete without breaking the bank.

The High Cost of High Pay

If you’re in industries like finance, real estate, or professional services, congratulations! Your benefits are expensive. These sectors tend to offer comprehensive coverage, leading to premiums that make the rest of us gasp:

Single Coverage: $8,653 in professional services.
Family Coverage: Nearly $24,800 annually.

But the bright side? Many employers in these industries absorb more of the cost, keeping employee contributions reasonable.

Tip for employers: An HRA strategy can help you maintain competitive benefits while managing costs effectively.

The Texas-Sized Health Insurance Problem

Right here in Texas, we’re keeping pace with the national averages:

Single Coverage Premiums: $8,180.
Family Coverage Premiums: $23,976.

But Texans also face higher-than-average employee contributions for family plans, at $7,391 annually. The employee share of family coverage sits at 30.8%, above the national average of 28.8%.

What Can You Do?

If reading these numbers makes you feel like health insurance costs are spiraling out of control, it’s time to pump the brakes. At The Franco Suarez Agency, we specialize in crafting solutions that put you back in the driver’s seat.

HRAs are one of the most powerful tools available. Whether it’s a QSEHRA or ICHRA, these plans let employers reimburse employees tax-free for premiums and out-of-pocket expenses. The result? Flexibility, cost savings, and happier employees.

Let’s Chart a New Course

Don’t let healthcare costs steer your business into the ditch. Whether you’re a small business owner, a midsize employer, or someone just trying to make sense of the madness, The Franco Suarez Agency is here to help.

Contact us today to explore HRA options and discover how an expert in health insurance and financial planning can turn those rising premiums into manageable, predictable costs.

Because when it comes to health insurance, a little expertise can go a long way. And who doesn’t love a smoother ride?

Schedule a 15-minute Call

Your Boss Has More Impact on Your Mental and Physical Health Than Your Therapist

Tue, 03 Dec 2024 11:42:49 -0600

Enter the QSEHRA (aka the Best Boss Move Ever)

Here’s a sobering thought: your boss might be affecting your mental and physical health more than your therapist ever could. Think about it—how many of us spend hours each week venting to friends or family about work stress? Meanwhile, our therapists are nodding along, quietly wondering,

“Have you considered a different job?”

But here’s the thing: a bad boss isn’t the only factor at play. Even great bosses can struggle to create a workplace where employees feel supported, especially when healthcare benefits are out of reach. That’s where the Franco Suarez Agency swoops in to save the day—like the superhero of financial advisors but with fewer capes and more tax savings.

Enter the QSEHRA (aka the Best Boss Move Ever)

If you’re running a business with fewer than 50 employees, the Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is your golden ticket. Think of it as a personalized benefits package that lets employees choose their own health plans while you, the employer, foot part of the bill—tax-free.

Why should you care?

Happier Employees = Fewer Sunday Scariest
Supporting your team’s healthcare needs shows you care about their well-being. When your employees feel good, they work better—no mysterious “sick” days after big deadlines.

Retention, Retention, Retention
Hiring is expensive; losing employees is even worse. Offering QSEHRA gives your team another reason to stick around. Who wouldn’t want a boss who helps them pay for their chiropractor and their kid’s dentist?

Tax Savings for You
QSEHRA reimbursements are tax-deductible for your business and don’t count as taxable income for employees. It's a win-win that even your accountant will applaud.

Be the Boss Everyone Loves

Here’s the bottom line: the workplace is where your employees spend most of their waking hours. Why not make it a place that supports their health—mentally, physically, and financially?

You don’t have to be the boss who gives out Friday margaritas (though we’re not saying no to that either). Be the boss who uses QSEHRA to give employees control over their healthcare while saving your business money.

Marketplace Certified by Healthcare.gov

Ready to Level Up?

Contact the Franco Suarez Agency today to find out how QSEHRA can transform your business. Your employees will thank you. Your bottom line will thank you. Heck, your therapist might even thank you—fewer work-related breakdowns to mediate!

Click here to start saving smarter

The Benefit of Wellpoint and the Role of HRAs

Mon, 11 Nov 2024 00:04:54 -0600

New Player in Texas Health Insurance Market: Wellpoint Health

With Wellpoint Health Insurance Company now available in Texas, employers have a fresh, competitive option for employee health benefits. The entry of Wellpoint into the Texas Marketplace brings a new level of choice and flexibility that can be incredibly helpful for employers facing rising health insurance premiums. Wellpoint’s presence in the market is already encouraging competitive rates, which can mean more manageable premium increases.

The Benefit of Wellpoint and the Role of HRAs

Many employers are exploring new ways to offer affordable, flexible health benefits. Health Reimbursement Arrangements (HRAs) are an innovative option that aligns well with the arrival of Wellpoint. Here’s why:

Control Over Costs: With an HRA, you set a defined amount that employees can use toward their health insurance premiums. This can help keep costs predictable, even when premiums rise.
Increased Flexibility: An HRA allows employees to choose the health plan that best fits their needs. They can select from any plan on the Marketplace, including options from Wellpoint, meaning more choices for them and controlled costs for you.
Tax Benefits: Contributions you make toward an HRA are typically tax-deductible. This provides a win-win: tax savings for your business and quality health benefits for your team.
Supporting Employee Health Needs: HRAs can cover a range of eligible expenses, including medical services, prescriptions, and other healthcare needs. This flexibility helps employees feel supported without adding administrative strain on your side.

Facing Premium Increases? Now Is the Time to Consider an HRA

If you’re not yet offering an HRA, it’s worth exploring how it can reduce the impact of premium increases. Combining Wellpoint’s options with an HRA gives your team more choice, helps manage costs, and delivers more value overall.

Get Started with a Free 15-Minute Health Insurance Appointment
Let’s discuss how an HRA can benefit your business and your employees. Schedule a quick, no-obligation 15-minute health insurance consultation with us today. Together, we can design a benefits package that keeps your costs down and your team’s satisfaction up.

Get Started Now

What You Don’t Know About Your Employee Benefits Could Be Costing You Money

Tue, 01 Oct 2024 14:06:37 -0600

How ICHRAs Offer a Better Alternative

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Employee benefits are often seen as a valuable part of compensation packages, but many workers overlook or misunderstand them. If you’re not fully aware of how your benefits work, you could be leaving money on the table—money that could significantly impact your financial well-being. One option you might not know about is an Individual Coverage Health Reimbursement Arrangement (ICHRA), which is gaining popularity as a flexible and potentially cost-saving alternative to traditional employer-sponsored health plans.

The Hidden Costs of Employee Benefits

Many employees assume that employer-sponsored health insurance is automatically the best deal. However, this isn't always true. Here’s how you might be losing out:

Limited Options: Traditional group health plans tend to offer one-size-fits-all coverage, leaving you stuck with options that may not fit your health needs or budget.
Premium Increases: Each year, group health insurance premiums tend to rise, and those costs often get passed down to employees. You may be paying more out-of-pocket for coverage that remains the same—or even worse, declines in value.
Unused Benefits: Many employees don’t fully utilize benefits such as vision, dental, or wellness programs, meaning they’re paying for coverage they don’t need or use.
Missed Tax Advantages: Certain tax advantages are available through benefit programs, but they’re not always clearly communicated. For example, Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) offer significant tax savings, but if you don’t contribute, you miss out on those benefits.

Enter ICHRAs: A Better, More Flexible Alternative

ICHRA (Individual Coverage Health Reimbursement Arrangement) is a newer, more flexible option that employers can offer. Here’s why it may be a better choice for both employees and employers:

Customizable Health Coverage: With an ICHRA, you’re not locked into a one-size-fits-all group plan. Instead, your employer offers you a defined amount of money, which you can use to buy individual health insurance that meets your specific needs. This means you can shop the health marketplace and choose a plan that works best for you and your family.
No Premium Hikes Passed On to You: Because you’re choosing an individual plan, you’re not subjected to the premium increases that typically affect group insurance. ICHRAs are employer-funded, so even if healthcare costs rise, your contributions could stay the same or increase, depending on how your employer structures the plan.
Greater Flexibility: ICHRAs offer more than just healthcare. Some employers allow these funds to cover additional expenses like dental, vision, and even premiums for Medicare, giving you greater flexibility in how you use your benefits.
Tax Advantages: Like traditional group health insurance, ICHRAs are tax-free for both employers and employees. That means you get the advantage of tax savings while having the freedom to choose a plan that fits your health and budget needs.
Portability: One of the biggest downsides of traditional group health plans is that they are tied to your employer. If you switch jobs, you lose your coverage. With an ICHRA, your health plan is yours to keep. You can maintain your coverage even when transitioning between jobs, providing a more seamless health insurance experience.

Why More Employers Are Moving Toward ICHRAs

Many employers are shifting toward ICHRAs because they provide a more predictable and controllable cost structure. Rather than facing annual increases in group plan premiums, employers can set a fixed reimbursement amount each year. This helps companies manage their budget more effectively while still providing valuable health benefits to their employees.

For employees, it’s a win-win: You gain more control over your healthcare choices, avoid premium spikes, and keep your coverage no matter where your career takes you.

Take Control of Your Benefits

The next time you look at your benefits package, ask yourself: Am I really getting the most value? If your employer offers an ICHRA or is considering one, it could be time to explore whether this newer option might serve you better than a traditional group health plan.

At the Franco Suarez Agency, we help individuals and businesses navigate the complexities of employee benefits. Don’t let a lack of knowledge cost you money—reach out to us today to learn how an ICHRA could make a big difference in your health coverage and overall financial health

Get Started Now

Affordable Care Act

Unlock your savings with the Affordable Care Act! Get a personalized quote today and see how much you could save on health coverage. Your health, your budget—covered! #AffordableCareAct #HealthSavings

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Truth or Dare to Healthcare:

Wed, 24 Jul 2024 12:57:33 -0600

The Impact of Weight-Loss Drugs on Insurance Companies and the Insured

In recent years, the landscape of weight management has been revolutionized by the emergence of weight-loss drugs like Ozempic, Wegovy, and Zepbound. Projected to have about 10% of the U.S. population on one of these medications by 2030, the market for these drugs is set to surpass $100 billion. Endorsements from high-profile figures like Oprah Winfrey and Kelly Clarkson have propelled their popularity, while media coverage highlights their potential benefits beyond weight loss, including improvements in addiction and mental health. With Novo Nordisk, the manufacturer of these drugs, now Europe’s most valuable company and poised to become the world’s first trillion-dollar pharmaceutical giant, the healthcare industry faces a critical juncture. This surge in demand poses significant challenges and opportunities for both insurance companies and the insure

The Promise and Popularity of Weight-Loss Drugs

Ozempic, Wegovy, and Zepbound have gained traction due to their remarkable efficacy in promoting weight loss. These medications work by mimicking a hormone that targets areas of the brain involved in regulating appetite and food intake. The results have been impressive, with many users experiencing substantial weight reduction. The allure of a pharmacological solution to obesity, a condition affecting millions, is undeniable.

High-profile endorsements and extensive media coverage have played a pivotal role in driving the popularity of these drugs. When celebrities like Oprah Winfrey and Kelly Clarkson share their success stories, it resonates with a broad audience, further boosting the drugs’ appeal. Additionally, emerging research suggests these medications may offer benefits beyond weight loss, such as aiding in addiction recovery and improving mental health conditions, adding to their allure.

Financial Projections and Market Impact

The financial implications of the weight-loss drug market are staggering. With projections indicating that sales will exceed $100 billion by 2030, this category is poised to become a dominant force in the pharmaceutical industry. Novo Nordisk, the company behind these drugs, has already become Europe’s most valuable company and is on track to become the world’s first trillion-dollar pharmaceutical company.

However, the widespread adoption of these drugs comes with substantial costs. The medications are relatively expensive, and as demand increases and prescriptions expand to cover more diagnoses, the financial burden on payers such as Medicare and employers subsidizing their employees’ healthcare could become overwhelming. The question arises: can the healthcare system sustain this financial strain?

Unintended Challenges and Financial Strain

While weight-loss drugs offer promise, they also present significant challenges. The high cost of these medications, combined with their growing demand, poses a potential threat to the financial stability of payers. Medicare, employers, and insurance companies may find themselves grappling with skyrocketing costs, potentially leading to increased premiums for the insured and a reevaluation of coverage policies.

Moreover, there is a lack of longitudinal data on the long-term impact of these drugs. While initial results are promising, the absence of comprehensive long-term studies raises questions about their sustained efficacy and potential side effects. Research indicates that individuals tend to regain weight once they stop taking the medication, highlighting the need for a holistic approach to weight management that includes lifestyle changes.

The Path Forward: Sustainable Weight Loss

Despite these challenges, there is a potential silver lining. If individuals can use weight-loss medications as a catalyst for adopting healthier lifestyles, the benefits could be transformative. Combining pharmacological intervention with lifestyle modifications such as improved diet, regular exercise, and behavioral therapy could lead to sustainable weight loss and overall improved health outcomes.

For insurance companies, supporting a comprehensive approach to weight management could mitigate some of the financial strain. Investing in programs that promote lifestyle changes alongside medication use may result in better long-term health for the insured, ultimately reducing healthcare costs.

Conclusion

The rise of weight-loss drugs like Ozempic, Wegovy, and Zepbound presents both opportunities and challenges for the healthcare industry. While these medications hold promise for combating obesity and improving related health conditions, their high costs and potential financial strain on payers cannot be ignored. The lack of long-term data further complicates the picture. However, by encouraging a balanced approach that combines medication with sustainable lifestyle changes, insurance companies and healthcare providers can navigate this new landscape effectively. The future of weight management lies not just in miracle drugs, but in empowering individuals to make lasting, healthy choices.

At the Franco Suarez Agency, we are committed to partnering with insurers, healthcare providers, and employers to develop comprehensive healthcare solutions that address these challenges head-on. By guiding our clients through the complexities of weight management and offering innovative strategies that integrate medication with lifestyle changes, we can help ensure better health outcomes and financial sustainability. Together, we can transform the future of weight management and empower individuals to make lasting, healthy choices.

Learn More

The Franco Suarez Agency - Blog #Health Savings Account HSA

The Cost of Going Without Health Insurance

It’s More Than Just a Bill

Welcome to the Zoho Link Preview

Big Tax Savings Ahead for Millions of Americans

More People Can Save Taxes on Health Expenses With These Accounts Under the New Law 💰

What Makes HSAs So Powerful?

How HSAs Work for You

Takeaway

It’s Only Gotten Worse”: Texas Businesses Face Soaring ACA Premiums — But Affordable Options Still Exist

Don’t let rising health insurance costs squeeze your small business. The Franco Suarez Agency helps Texas employers and their teams find smarter, affordable coverage before it’s too late.

Final Call for ACA 2025 Coverage

The Franco Suarez Agency to the Rescue!

Why Act Now (With Us, Of Course)?

What to Do:

2025 Health and Financial Resolutions

The Best Time to Start Your Health and Financial Plan

The Best Time to Start Your Health and Financial Plan

Let’s explore why now is the perfect time to take action and how these tools can help you maximize your potential.

Why Start in 2025?

Maximizing Your Goals with HSAs, HRAs, and Section 125 Plans

Steps to Get Started

2025: Your Year of Optimization

The Health Insurance Cost Rollercoaster

Why It's Time to Rethink Your Plan

Employer-sponsored health insurance:

A Quick History of Rising Premiums

Midsize Firms: Stuck in the Middle

The High Cost of High Pay

The Texas-Sized Health Insurance Problem

What Can You Do?

Let’s Chart a New Course

Get Our Free Guide to Health and Financial Fitness

Your Boss Has More Impact on Your Mental and Physical Health Than Your Therapist

Enter the QSEHRA (aka the Best Boss Move Ever)

Enter the QSEHRA (aka the Best Boss Move Ever)

Enter the QSEHRA (aka the Best Boss Move Ever)

Be the Boss Everyone Loves

Marketplace Certified by Healthcare.gov

Ready to Level Up?

Get Your Free Guide!

The Benefit of Wellpoint and the Role of HRAs

New Player in Texas Health Insurance Market: Wellpoint Health

New Player in Texas Health Insurance Market: Wellpoint Health

The Benefit of Wellpoint and the Role of HRAs

Facing Premium Increases? Now Is the Time to Consider an HRA

What You Don’t Know About Your Employee Benefits Could Be Costing You Money

How ICHRAs Offer a Better Alternative

The Hidden Costs of Employee Benefits

Enter ICHRAs: A Better, More Flexible Alternative

Why More Employers Are Moving Toward ICHRAs

Take Control of Your Benefits

Subscribe to our newsletter

Affordable Care Act

Truth or Dare to Healthcare:

The Impact of Weight-Loss Drugs on Insurance Companies and the Insured

Subscribe to our newsletter