ICoachSolutions

ICoachSolutions Our mission is to empower your mission, through healthcare, veteran resources and financial services.

06/26/2026

A client came to me last spring with a $47,000 hospital bill.

She thought she had health insurance. She'd been paying premiums every month.

What she had was a short-term health plan.

Here's what those plans typically don't cover:
→ Pre-existing conditions
→ Prescription drugs
→ Mental health
→ Maternity care
→ Preventive screenings

They're legal. They're called health insurance. And a hospital stay on one can still leave you with debt most people never recover from.

She wasn't careless. Someone sold her the plan and called it comprehensive.

If you're not sure what type of plan you have, or something feels off about your coverage, DM me 'PLAN REVIEW' and I'll take a look at no charge.

06/24/2026

I run five businesses. My health insurance is 100% on me.

A couple years ago I almost made a $12,000 mistake without realizing it.

It's called the ACA subsidy cliff. If you're self-employed with variable income, this is the number you need to know before year-end — not in January.

Here's how it works:
→ ACA subsidies are based on projected annual income
→ For a family of 4 in 2026, the line is around $125,000
→ Cross it in certain scenarios and you lose thousands in premium tax credits

The time to check this number is now, when there's still room to adjust.

I cover this and questions like it every Wednesday at 5pm on my free live webinar — Money & Healthcare Made Simple. Come ask yours: zoom.us/j/98359054255

2026 marks a historic shift in veteran healthcare with over 100,000 new enrollments. This surge is impacting wait times ...
06/24/2026

2026 marks a historic shift in veteran healthcare with over 100,000 new enrollments. This surge is impacting wait times and access across the board.

You have 2 Real Options:
1️⃣ Rely strictly on VA facilities for specialized care (choices may be limited as demand grows).
2️⃣ Supplement VA benefits with a private plan to gain freedom to see local specialists while keeping your status.

iCoach Solutions bridges this gap to ensure you get your full value.

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📢 REFERRAL PARTNER TIP: Share this with a veteran navigating these changes.

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Ready for a clear path?
📞 Call 253-453-5885 to set an appointment.
📧 Email: [email protected]
📇 Business card: https://blinq.me/6LnWsA77DDL5

What has been your experience with healthcare access this year?

06/23/2026

After hundreds of life insurance conversations, I noticed a pattern.

The people who needed life insurance most were almost always the same kind of person.

I started calling them MACHO:

M — Married
A — Age 25 or older
C — Children (or planning to have them)
H — Homeowner
O — Occupation (steady income others rely on)

3 or more boxes checked = people depending on your income.
All 5 = you need coverage. The only question is how much.

I built my practice around this profile because when I help a MACHO family get covered right, I'm not selling a policy — I'm making sure that income doesn't disappear on the people who count on it.

Check your boxes. DM me 'MACHO' and I'll show you what the right amount looks like for your situation.

06/20/2026

A client called me frustrated a few weeks ago.

She'd been fighting her insurance company for months. Mental health visits: limited to 20 sessions per year. Physical therapy for the same condition: unlimited visits.

She didn't know that was illegal.

The Mental Health Parity Act says insurers can't impose stricter limits on mental health care than on medical care. Her plan was violating it.

We filed an appeal. The sessions were reinstated.

If your plan has been capping mental health visits, denying prior auth, or making mental health care harder to access than physical care — that's worth looking at.

DM me 'MENTAL HEALTH' and I'll help you check what your plan is actually required to cover.

06/19/2026

I manage my own health coverage. No employer. No HR department. Just me and my plan.

When GLP-1 medications came up in a conversation with my doctor, my first question wasn't about the medication — it was about my plan.

What I found: most individual market plans don't cover GLP-1 drugs for weight loss. Some cover them for diabetes. The difference is $900-$1,400/month out of pocket.

If you're self-employed, on an ACA marketplace plan, or approaching Medicare — this is a question worth answering before you need the answer.

Want to know if your current plan covers it? DM me your zip code and current plan and I'll look it up with you.

06/18/2026

I'm trained as an industrial designer.

In design, you don't build a structure without thinking about what happens when one component fails.

When I bought my home, I applied the same thinking to my financial plan.

Here's the flaw most homeowners miss:

They insure the house. They don't insure the income that pays for it.

Your mortgage doesn't disappear if you're gone. But your income does.

Homeowners insurance protects the building. Life insurance protects the people living in it.

If you've bought a home in the last 2 years and haven't reviewed your life coverage, you've protected the structure and left the family exposed.

DM me 'HOME' and I'll show you what the right coverage looks like for your situation.

Today at 5pm Pacific.Medicare in 2027 — what's coming, who it affects, and what to do about it before open enrollment.I'...
06/18/2026

Today at 5pm Pacific.

Medicare in 2027 — what's coming, who it affects, and what to do about it before open enrollment.

I'll be on Zoom for 40 minutes. Bring your questions — I'll answer them live.

Free. No registration. No slides to download. Just show up.

🔗 zoom.us/j/98359054255
📅 5:00 PM Pacific · Every Wednesday

See you tonight.

06/17/2026

I ask this question on every single enrollment call.

"Do you know your out-of-pocket maximum for this year?"

Most people don't.

That number is your worst-case scenario. It's the most you'll pay before insurance covers 100%. In 2026, it can be as high as $9,450 for an individual plan.

The premium is what you pay every month whether you use insurance or not.
The out-of-pocket max is what you'd pay if something actually happened.

Those two numbers tell completely different stories about a plan.

Drop your out-of-pocket max in the comments if you know it. And if you don't, DM me your plan name and I'll find it with you in under 5 minutes.

Tomorrow at 5pm Pacific — live webinar.Medicare Advantage in 2027: What You Should Know Before Open EnrollmentIn 40 minu...
06/17/2026

Tomorrow at 5pm Pacific — live webinar.

Medicare Advantage in 2027: What You Should Know Before Open Enrollment

In 40 minutes we'll cover:
✅ What CMS is signaling about plan changes
✅ How to review your current plan before Oct 15
✅ The 6-month window most people turning 65 don't know about
✅ Supplement vs. Advantage — which one fits your life

Free. No registration. Questions welcome.

📅 Wednesday June 18 · 5:00 PM Pacific
🔗 zoom.us/j/98359054255 · ID: 983 5905 4255 · Passcode: 201954

Money & Healthcare Made Simple — every Wednesday.

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Tacoma, WA

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