You enjoy an active lifestyle, which includes frequent travel, winter destinations, hiking and pickleball with your closest friends, and frequent connections with your family.
You are an expert in your field and have created your own company to consult others. You have freedoms outside of the corporate world but are also fully responsible for your family’s financial well-being.
Whether you are a retail, hospitality, or seasonal worker, you are making your path with hourly work, perhaps with tips to help fuel your savings for dream luxuries like travel or a new place to live.
You might own your home and work part-time, but your finances are a nuanced picture of lifetime savings coupled with ongoing expenses, especially medical bills, as you wait for Medicare eligibility.
You love being your own boss. You have the freedom to do what you enjoy every day, and fulfill your personal work goals. Yet freelancers and contractors still need financial protection from the unexpected.
Having employer-sponsored healthcare benefits isn’t what it used to be. You have deductibles and copays, plus your monthly premium costs. There’s an incredible need for additional coverage to help pay for these out-of-pocket responsibilities.
A Smarter Way to Buy Health Insurance: Balancing Premiums and Out-of-Pocket Risk
For individuals purchasing their own health insurance, the decision often feels like a compromise. Plans with lower monthly premiums typically come with higher deductibles, while more comprehensive options can strain a household budget. As healthcare costs continue to rise, this tradeoff has become more pronounced—and more consequential. A more effective approach is to move beyond […]
19 Mar, 2026
Introducing medZERO: A New Way to Manage Out-of-Pocket Healthcare Costs with FlexBenefits
Communicating for America (CA) is excited to introduce medZERO—the newest membership benefit now available to all individuals enrolled in FlexBenefits supplemental insurance plans. This innovative program gives members a simpler, stress-free way to manage out-of-pocket healthcare costs with no interest, no fees, and no credit checks.* A $1,500 Safety Net—Built Into Your FlexBenefits Membership Every […]
11 Dec, 2025
How OBBBA Impacts Health Insurance — What It Gets Right and What’s Missing
As the Trump administration implements the One Big Beautiful Bill Act (OBBBA), there are meaningful implications for the health insurance marketplace—especially around Health Savings Accounts (HSAs). While the bill strengthens several consumer-focused tax strategies, it falls short on supporting employer innovation through Individual Coverage Health Reimbursement Arrangements (ICHRAs). HSA Provisions: Expanded Eligibility and Flexibility The […]
10 Jul, 2025