Tactical Financial Solutions

10/02/2026

Do you need umbrella insurance? Find out more.

Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.

10/02/2026

I had a client call me today asking about renewing his plan. I asked him if he had ever looked at Private market options. He said No! He’s asked every broker he could and everyone told him only BCBS and United are available in WY.

He’s been paying 3x his mortgage all year for health insurance he’s never used. I found a plan for a fraction of that with $0 deductible and $3000 Max out of Pocket.

If you’re currently on BCBS, UnitedHealthcare, or another ACA Marketplace plan, but make too much to qualify for subsidies, it’s only getting worse.

Health insurance costs are continuing to climb. We’re expecting a 15% increase in ACA Marketplace premiums nationwide, while subsidy confidence is getting lower.

For perspective, a family of four in Wyoming can average around $3,389/month for a Gold ACA plan — or more than $40,000 per year — before subsidies.

No one should pay more than a mortgage for a product you may never use.

The good news is:

There are private-market health insurance options outside of the traditional ACA Marketplace.

For individuals and families who are relatively healthy, certain private-market plans may offer:

✅ $0 deductible options
✅ Lower monthly premiums
✅ Private-market coverage
✅ Plans designed around healthy individuals and families

There ARE affordable options.

At Peak Health Strategies, we help individuals, families, and small businesses explore their health coverage options — including solutions beyond the traditional Marketplace.

If you’re paying full price for BCBS or UnitedHealthcare because you make too much for subsidies, it may be worth seeing what’s available outside the Marketplace.

📩 comment HELP below for a free estimate.

Let’s look at your options.

Coverage, eligibility, benefits, deductibles, networks and premiums vary by individual circumstances. Private-market plans may not be available to everyone.

09/30/2026

Just entering retirement? Here's what you need to know.

Regardless of how you approach retirement, there are some things about it that might surprise you.

09/28/2026

\$100 not spent is more like \$143. Intrigued?

One way to find money is to examine your current spending habits and eliminate money wasters.

09/25/2026

We all want to know, “What’s next for the financial markets?” But no one knows for sure.

09/23/2026

09/23/2026

Did you know you can get insurance for just $89.95 for the entire family?? Sign me up!

09/23/2026

There are four basic steps to calculating the value of an estate.

Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.

09/21/2026

An ILIT could play a role in your estate strategy.

Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.

09/07/2026

Today we recognize the hardworking people who serve and strengthen our communities every day. To our employees, partners, and members, we wish you a happy !