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David P. McCabe,
WMCP®, ChFC®, CLU®
Financial Planner
Nathaniel D. High,
CFP®, RICP®
Financial Planner
Nicholas J. Over, CFP®
Financial Planner
Sara E. Martin
Operations Manager
Molly R. Kelsh
Client Service Specialist
Centuria Financial Group
2333 Baltimore Blvd Suite B
Finksburg, MD 21048
Phone: 443-952-7232
January/February 2026
Include Health Care in Your Wealth Plan
Healthcare costs can be difficult to forecast, and while even routine care is pricey, the costs associated with unexpected health issues can be staggering. Now is the time to be proactive and include healthcare arrangements in your wealth plan or review the provisions you already have in place.
Loss of Income
What would happen if you or your spouse suffered an unexpected accident or other health incident and were unable to work? Consider if this income loss was compounded by another family member having to take time off work to serve as a caregiver. Consult with your trusted professional to discuss how to model and account for these types of medical events in your wealth plan. Also, discuss whether short- and long-term disability insurance might make sense for your situation.Health Savings Accounts (HSAs)
HSAs offer tax savings: contributions are made with pre-tax dollars, earnings are tax-free, and withdrawals for qualified medical expenses are also tax-free. If your employer contributes to an HSA for you, those contributions may be excluded from your gross income. Contributions remain in your account to grow until you use them. To save in an HSA, you must have a highdeductible health plan. You cannot currently be enrolled in Medicare or claimed as a dependent on someone else's tax return.Starting in 2026, bronze and catastrophic marketplace plans become HSA-eligible, and direct primary care fees are qualified expenses. Also, HSA funds may be used for telehealth services without requiring a deductible to be met, effective retroactively for 2025.
Plan on a Long Life
High-net-worth people tend to spend more on preventative care and live longer. While including health in your wealth strategy won't prevent a health event, it can help protect you and your loved ones. It's important to weigh not only how health can impact your lifestyle, but also your future aspirations.815011
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David P. McCabe, Nathaniel D. High, and Nicholas J. Over are Financial Planners with, and offer securities and investment advisory service through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
LPLE and LPL Financial are not affiliated with Centuria Financial Group.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only.
Centuria Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.
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