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.

Millions of Americans rely on the Affordable Care Act (ACA) to keep their families covered — and the enhanced premium tax credits are what make that coverage truly affordable. But unless Congress acts, those credits will expire soon, causing devastating premium increases for working families.

As you plan your health coverage for the year ahead, the clock is ticking. The Affordable Care Act (ACA) Marketplace open-enrollment period is your annual opportunity to enroll, renew or change coverage. At the Franco Suarez Agency, we don’t just help you pick a plan — we help you manage your health-care expenses and debt to build wealth for retirement. But first, let’s look at what you need to know now.

Key Dates to Mark

The Open Enrollment Period for 2026-coverage for plans through the Marketplace begins November 1, 2025. 

For most states, the deadline to enrol or change plans so coverage starts Jan 1 is December 15, 2025. 

The final deadline in most states for 2026 coverage is January 15, 2026 (coverage starts Feb 1 if you enroll after Dec 15) in many states. 

Note: Some states operate their own exchanges and may have different deadlines. Always check your state’s timeline. 

The enhanced premium tax credits that helped many pay lower premiums may be subject to change or expiration. If they lapse or are reduced, premiums could jump significantly. 

The rules for eligibility, verification and special-enrolment periods are tightening. For example, fewer year-round enrolment opportunities and more paperwork may impact your ability to change coverage outside the open-enrolment window. 

Missing the open-enrolment window means you may only enrol if you qualify for a Special Enrolment Period (SEP) triggered by a life event (job change, move, marriage, etc). 

We monitor the deadlines and alert you when it’s time to act — so you’re not scrambling at the last minute.

We evaluate your current coverage, help you compare plan options (including premiums, network, benefits) and the underlying cost-structure (deductibles, out-of-pocket maximums).

Importantly, we help you integrate the plan into your broader financial strategy: using flexible spending accounts (FSAs), Health Savings Accounts (HSAs), and other tools to not only manage expenses but reduce debt and build toward retirement. When you see health coverage as part of your wealth-building strategy, you’re not just buying another policy—you’re investing in your future.

We help you prepare: collect your income & household info, understand subsidy eligibility, project upcoming life changes (marriage, kids, job change) that might affect your coverage.

Action Steps

1. Mark your calendar for November 1, 2025 and December 15 / January 15 deadlines for your state.

2, Gather documentation: household income estimate for next year, current health coverage details, major life events.

3, Schedule a review with us now to preview your plan options and subsidy eligibility.

4, Use your FSA/HSA wisely: we’ll help you map out how much to contribute, how to use the funds, and how this fits into your debt-reduction/retirement plan.

5, Don’t wait for a crisis. A small change (job, move, marriage) can trigger a life event and a special-enrolment window — we can help you navigate that too.

In Closing

Health-insurance decisions often get relegated to “just another cost.” 

At Franco Suarez Agency, we flip the script: your health plan is part of your financial foundation. The sooner you act, the better your ability to lock in the right coverage, subsidies and strategy. Let’s get ahead of the deadlines and build your plan for health and wealth.

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