Health-Related Planning

A serious medical diagnosis, chronic condition, or long-term care need can reshape your lifeโ€”and your financial prioritiesโ€”overnight. Whether youโ€™re planning for yourself or helping a loved one, managing finances during a health crisis requires calm, clarity, and coordination. At Global Advisers, we guide clients through these challenges with empathy and expertise.

Why It Matters

Health-related events often bring a wave of uncertaintyโ€”emotionally, physically, and financially. Income may change, care expenses may rise, and estate considerations may take on new urgency. Financial decisions made during these periods can affect not just your security, but the well-being of your spouse, children, and future caregivers.

How We Help

We bring together strategic planning and compassionate guidance to help clients stay financially stable while navigating complex health situations:

  • Evaluating healthcare costs and long-term care scenarios
  • Creating or updating financial plans to account for medical needs
  • Reviewing insurance coverage and claims (long-term care, disability, health)
  • Managing income disruptions or early retirement decisions
  • Planning for caregiving responsibilities and support for dependents
  • Coordinating with attorneys, doctors, and care managers
  • Addressing estate planning updates, powers of attorney, and medical directives
  • Building liquidity strategies to meet near-term needs without derailing long-term goals

Common Triggers

Clients often reach out to us when:

  • They or a spouse receive a serious medical diagnosis
  • They anticipate significant healthcare or assisted living expenses
  • They need to stop working or reduce hours due to health
  • A loved one requires caregiving or financial support
  • They want to proactively plan for future health-related needs

How We Add Value

We help you respond with clarity rather than panicโ€”so that difficult times arenโ€™t made harder by financial disarray. Our clients benefit from:

  • Practical, sensitive guidance during emotional periods
  • Access to insurance analysis and long-term care strategy
  • Tax-aware planning for medical expenses and retirement drawdowns
  • Coordination with family members or caregivers (as appropriate)
  • Protection of both your health and your wealth

Health Coverage Level Navigator

Answer a few questions to get a regulation-aware recommendation: Employer plan vs Marketplace (APTC/CSR), Medicaid/CHIP, Medicare paths, COBRA, and when an HSA-eligible HDHP makes sense. Runs entirely in your browser; no data is sent anywhere.

Updated: Sep 4, 2025

1) Household & Income

Use household Modified Adjusted Gross Income for subsidy tests.
FPL% (2025)
โ€”
Based on state & household size.
CSR Band (if Marketplace)
โ€”
100โ€“250% FPL enhances Silver plans.
APTC Likely?
โ€”
Subject to ESI affordability tests.

2) Coverage Situation

ESI Affordability (self-only)
โ€”
2025 threshold: 9.02% of income.
ESI Affordability (family)
โ€”
Family affordability tested separately.
HDHP/HSA Fit
โ€”
Based on utilization & savings ability.

Recommendation

Fill inputs and click โ€œCalculate Recommendationโ€.

Why this path

โ€”

Next steps (links)

2025 Reference Guardrails

  • ACA MOOP (plan cap on in-network cost-sharing): $9,200 / $18,400.
  • APTC eligibility can extend above 400% FPL through 2025; CSR boosts Silver at 100โ€“250% FPL.
  • Employer โ€œaffordabilityโ€ (2025): 9.02% of household income (employee-only test for employee; family premium for dependents).
  • HDHP/HSA (2025): Min deductible $1,650 / $3,300; Max OOP $8,300 / $16,600; HSA limit $4,300 / $8,550 (+$1,000 catch-up โ‰ฅ55).
  • COBRA election window ~60 days; typical duration 18โ€“36 months, circumstances vary.
  • Short-term limited-duration plans: federal 2024 rule restricts to 3 months (max 4 incl. renewal), but 2025 DOL announced non-enforcementโ€”state rules vary; non-ACA-compliant.
This tool is educational; it does not make plan recommendations or solicit Medicare Advantage/Part D. For personalized advice, contact Global Advisers/CoreShield.
Sources: HealthCare.gov, IRS, HHS/CMS, DOL (links included below after calculation).
Important compliance notes
  • This tool is educational and does not provide legal, tax, investment, or medical advice; it does not solicit or market Medicare Advantage/Part D plans.
  • Eligibility outcomes depend on state rules and individual facts (MAGI definition, Medicaid categories, special enrollment grounds). Always confirm with official state/federal sources.
  • No PHI/PII is transmitted; all logic runs client-side.

Planning for What You Canโ€™t Predict

Health is unpredictableโ€”but the financial response doesnโ€™t have to be. With the right partner, you can prepare for whatโ€™s ahead, protect those you care about, and maintain dignity, control, and financial peace of mind throughout the process.

Get Started

Ready to Begin?

Letโ€™s Talk
800.832.8514

Review Global Advisers with FINRAโ€™s Broker Check