![Pro-life, Christian health insurance company launches in Texas #Catholic
Co-founder Bob Hogan (left) and CEO and co-founder Daniel Cruz (right) are launching a pro-life health insurance plan that is in line with Catholic morality. / Credit: Courtesy of Presidio Healthcare
CNA Staff, Nov 28, 2025 / 07:00 am (CNA).
Two Texas pro-lifers are launching a health care plan that embraces Catholic life ethics, creating an ethical option for Christians.Health insurance companies often cover things that are in tension with Catholic Church teaching or a Christian pro-life ethic, such as abortion, contraceptives, or assisted suicide.Daniel Cruz and Bob Hogan founded the FortressPlan by Presidio Healthcare because they wanted a pro-life, Christian alternative. “FortressPlan,” which launched in November, does not cover any health care offerings that go against Catholic teaching. While making a start in Texas, the co-founders hope to expand across the U.S. Hogan, co-founder of Presidio and an alum of Franciscan University of Steubenville in Ohio, said that health care sharing ministries “are largely unregulated and are not legally required to pay families’ medical bills,” which can “cause tremendous financial stress for families.”As a more realistic alternative, he and Cruz “set out to create a real insurance company,” Hogan said in a statement shared with CNA. Cruz spoke with CNA about the Catholic values behind the FortressPlan. CNA: What makes Presidio Healthcare’s FortressPlan unique among insurance options in the U.S.?Daniel Cruz: The FortressPlan stands out as the only health insurance plan that aligns with the culture of life. Unlike other insurers, it does not cover abortifacients, contraception, transgender treatments or surgeries, euthanasia, in vitro fertilization, or similar practices.What makes the Fortress Plan pro-life and Christian? What inspired you to align the plan with the “Ethical and Religious Directives for Catholic Health Care Services”?Presidio Healthcare Insurance Company is the first health insurer in the United States to be filed as a Catholic entity. Designed to respect the dignity of every person, the FortressPlan aligns with the “Ethical and Religious Directives [ERDs] for Catholic Health Care Services.”The ERDs represent a formally recognized expression of Catholic moral doctrine, protected under federal conscience and religious-freedom laws, which allows us to operate in the private market with an authentically Catholic health plan. A major element of our mission is to promote life-affirming physicians and services, and the ERDs serve as a concrete guide to help us accomplish that aim.What inspired you to launch the pro-life Christian health insurance option, the FortressPlan? What challenges have you faced in launching it?I was approached by a former client to estimate the cost of an abortion for their health plan. This request ignited a passion to apply my skills as an actuary in a different direction. After discovering that no insurance companies were entirely pro-life or that sharing ministries fell short of offering true financial protection for families, I decided to establish the first pro-life Christian insurance company.What are your future goals for the FortressPlan and this movement toward pro-life, Christian insurance? How do you hope it will impact people?Our future objectives include expanding nationwide and entering both the ACA [Affordable Care Act] and employer markets, building a well-recognized brand that represents Christian health care.](http://unitedyam.com/wp-content/uploads/2025/11/pro-life-christian-health-insurance-company-launches-in-texas-catholic-co-founder-bob-hogan-left-and-ceo-and-co-founder-daniel-cruz-right-are-launching-a-pro-life-health-insuranc.webp)

Co-founder Bob Hogan (left) and CEO and co-founder Daniel Cruz (right) are launching a pro-life health insurance plan that is in line with Catholic morality. / Credit: Courtesy of Presidio Healthcare
CNA Staff, Nov 28, 2025 / 07:00 am (CNA).
Two Texas pro-lifers are launching a health care plan that embraces Catholic life ethics, creating an ethical option for Christians.
Health insurance companies often cover things that are in tension with Catholic Church teaching or a Christian pro-life ethic, such as abortion, contraceptives, or assisted suicide.
Daniel Cruz and Bob Hogan founded the FortressPlan by Presidio Healthcare because they wanted a pro-life, Christian alternative.
“FortressPlan,” which launched in November, does not cover any health care offerings that go against Catholic teaching.
While making a start in Texas, the co-founders hope to expand across the U.S.
Hogan, co-founder of Presidio and an alum of Franciscan University of Steubenville in Ohio, said that health care sharing ministries “are largely unregulated and are not legally required to pay families’ medical bills,” which can “cause tremendous financial stress for families.”
As a more realistic alternative, he and Cruz “set out to create a real insurance company,” Hogan said in a statement shared with CNA.
Cruz spoke with CNA about the Catholic values behind the FortressPlan.
CNA: What makes Presidio Healthcare’s FortressPlan unique among insurance options in the U.S.?
Daniel Cruz: The FortressPlan stands out as the only health insurance plan that aligns with the culture of life. Unlike other insurers, it does not cover abortifacients, contraception, transgender treatments or surgeries, euthanasia, in vitro fertilization, or similar practices.
What makes the Fortress Plan pro-life and Christian? What inspired you to align the plan with the “Ethical and Religious Directives for Catholic Health Care Services”?
Presidio Healthcare Insurance Company is the first health insurer in the United States to be filed as a Catholic entity. Designed to respect the dignity of every person, the FortressPlan aligns with the “Ethical and Religious Directives [ERDs] for Catholic Health Care Services.”
The ERDs represent a formally recognized expression of Catholic moral doctrine, protected under federal conscience and religious-freedom laws, which allows us to operate in the private market with an authentically Catholic health plan. A major element of our mission is to promote life-affirming physicians and services, and the ERDs serve as a concrete guide to help us accomplish that aim.
What inspired you to launch the pro-life Christian health insurance option, the FortressPlan? What challenges have you faced in launching it?
I was approached by a former client to estimate the cost of an abortion for their health plan. This request ignited a passion to apply my skills as an actuary in a different direction.
After discovering that no insurance companies were entirely pro-life or that sharing ministries fell short of offering true financial protection for families, I decided to establish the first pro-life Christian insurance company.
What are your future goals for the FortressPlan and this movement toward pro-life, Christian insurance? How do you hope it will impact people?
Our future objectives include expanding nationwide and entering both the ACA [Affordable Care Act] and employer markets, building a well-recognized brand that represents Christian health care.
Read More![Bishops discuss faith formation before National Catholic Youth Conference #Catholic
Organizers of Pope Leo XIV’s upcoming digital dialogue with young people Nov. 21 at the National Catholic Youth Conference in Indianapolis speak to the media at the site of the United States Catholic Bishops’ Conference Fall Plenary Assembly in Baltimore on Nov. 12, 2025. Left to right: Cardinal Christophe Pierre, papal nuncio to the United States; Montse Alvarado, president and COO of EWTN News; Archbishop Nelson J. Pérez, Archdiocese of Philadelphia; Christina Lamas, executive director of National Federation for Catholic Youth Ministry; and Archbishop Charles Thompson, Archdiocese of Indianapolis. / Credit: Shannon Mullen/National Catholic Register
Baltimore, Maryland, Nov 17, 2025 / 07:00 am (CNA).
Bishops discussed young Catholics’ place in the Church ahead of the National Catholic Youth Conference.At the United States Conference of Catholic Bishops’ (USCCB) Fall Plenary Assembly in Baltimore, bishops spoke about the young generation as many prepare to attend NCYC. The conference will take place Nov. 20–22 in Indianapolis for prayer, community, evangelization, and service among Catholic teenagers.During NCYC, Pope Leo XIV will hold a digital dialogue with teens from across the nation. “When the pope speaks, he speaks to the world, and this will be a wonderful, wonderful moment. This encounter will engage young people in real time,” said Archbishop Nelson Pérez of Philadelphia. At a Nov. 12 press conference at the USCCB fall plenary, Pérez said “there is a deep significance to this encounter.” He added: “It reflects the Holy Father’s desire to connect with young people, with our youth, whom his predecessor … Pope Francis, called ‘the now of God.’”Pérez said during his time as a priest and bishop, he has noticed teenagers “want a place in the Church.” He said: “They want to be seen, heard, and valued, which is so beautiful ... They want to be loved by the Church.”“Even in today’s interconnected world, the Church can seem far away from young people. The Holy Father’s choice to encounter the American youth ... is an expression of his closeness to the youth of the world.”“This moment will mark a powerful opportunity for young people to witness the beauty of the universal Church with our Holy Father and to express their concerns, voices, experience, [and] what’s in their hearts,” Pérez said.Bishop Joseph Espaillat, auxiliary bishop for the Archdiocese of New York, has attended NCYC more than a dozen times. He told CNA “the energy and the vibrancy of the young people” is why he returns each year.“It’s not just the local parish or the local diocese, but it’s the national Church and there’s something powerful when we come together,” Espaillat said.This year’s event is “the first time ever the Holy Father has a live online interview like this,” at NCYC, Espaillat said. “What I love about it is that the Church in the United States is leading right now. The young people being the focus with our Holy Father is going to be great, and it’s going to produce a lot of positive energy in our Church.”Espaillat encouraged attendees “to be open and allow yourself to be surprised by the Holy Spirit.” He added: “Don’t go in with a preconceived notion. It is a great event in which there are many, many fruits. I’ve seen young people just come to life at the event.”Youth draw closer to the ChurchAs thousands of teenagers plan to gather at the national conference, U.S. bishops further explained why so many young Catholics are looking to the Church. A number of bishops highlighted the Catholic presence on social media is helping to draw them in.Bishop William Byrne of Springfield, Massachusetts, told CNA the exponential growth of young Catholics coming to the Church is “amazing and exciting.” Byrne, who served as chair for the USCCB’s committee on communications, detailed how much its online presence has grown its outreach to the young generation and wider population. “Beginning with the illness of our beloved Pope Francis, through the funeral, and then the transition to Pope Leo, we’ve actually had a 226% growth in our social media on the four platforms we use — TikTok, Instagram, X, and YouTube,” he said.“The amazing thing is, it’s still growing. It means that people are seeing it, sharing it,” Byrne said. He specifically noted it’s the “young people” spreading the message online. “So we see that we are reaching people,” Byrne said. “But our goal is not to get people locked on their phones. Our goal is to get people locked on Jesus Christ and have the impression be Jesus Christ and his bride, the Church.”“This is an exciting time. It’s not without its challenges, but it’s also a wonderful opportunity,” Byrne said. “We’re reaching young people who are curious and hungry. It’s so exciting to see the Church continue to speak to the world, because the Church has never lost her relevance.”The start of the Catholic online presence followed the movement of the new atheists, Bishop Robert Barron of Winona-Rochester, Minnesota, said. He told CNA the movement was made up of “people who were really shaping the culture, saying: ‘There’s no purpose of life. We come from nowhere. We go nowhere. There’s no objective moral value.’”“A lot of people, myself included, began to get on social media with a religious voice,” Barron said. “People who had not heard a religious voice or who were disaffiliated … could find people like me and many others who were actually talking about God and about religion.”“But I think as a whole generation came of age, they realized what a desperately sad and empty message that is,” Barron said. “There’s this hunger in the heart for God, and so that just reasserts itself. I think a lot of younger people who were raised on this very vapid philosophy began to look to religion.”As more young Catholics get involved in youth formation whether in their parishes or at larger gatherings like NCYC, Barron said he encourages them to use the opportunities to “build community and build a sense of family with other believers.”Barron, who is the founder of the Catholic media organization Word on Fire, has gained nearly 3 million YouTube subscribers and millions of other followers across social media platforms. But, he said, “one drawback of social media is that it’s a little private world. It can be a lot of people accessing it, but privately.”“Maybe through social media an individual finds a path to religion, but then to look around a room and see thousands of other people that are on a similar path — that’s a great thing,” Barron said.](http://unitedyam.com/wp-content/uploads/2025/11/bishops-discuss-faith-formation-before-national-catholic-youth-conference-catholic-organizers-of-pope-leo-xivs-upcoming-digital-dialogue-with-young-people-nov-21-at-the-national-catholi.webp)


