Presidio Webinar with Sergio
Sergio Archuleta from Presidio walks agents through the Fortress plan: licensed, state-regulated health insurance built as a lower-cost option for people priced out of unsubsidized Marketplace plans. Covers pricing, benefits, the network, underwriting and where it's available.
Key takeaways
- Real, state-regulated health insurance (not a sharing ministry), reinsured above $300,000. No statement of faith required. Excludes abortion, sex-transition and contraceptive services.
- Runs about 50% below the cheapest Marketplace bronze plan: $0 deductible, 50% coinsurance, no annual or lifetime limits.
- Pick a $2,500, $5,000, $7,500 or $10,000 individual max out-of-pocket (doubles for families). Half of last year's spending rolls over on January 1.
- First Health national network, out-of-network on the same terms, and 24/7 virtual primary care. Preventive care is an optional wellness add-on.
- Underwritten: tobacco more than 4 times a month, severe chronic illness and past cancer are knockouts, with a 12-month wait on other pre-existing conditions.
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