alternative – United Yam

unitedyam November 28, 2025

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.

New York, California pour money into Planned Parenthood after federal defunding #Catholic

New York and California are pouring taxpayer dollars into Planned Parenthood, joining several other states in counteracting the federal defunding of the abortion giant. / Credit: Jonathan Weiss/Shutterstock

CNA Staff, Oct 25, 2025 / 10:00 am (CNA).
New York and California are pouring taxpayer dollars into Planned Parenthood, joining several other states in counteracting the federal defunding of the abortion giant. California Gov. Gavin Newsom pledged 0 million to Planned Parenthood locations in California on Oct. 24. On the same day, New York Gov. Kathy Hochul committed million in funding to Planned Parenthood locations in New York.Both states are known for their abortion shield laws, which protect abortionists who mail abortion pills into states where they are illegal. Several women are suing California and New York abortionists after being poisoned by or coerced into taking the abortion pill by the fathers of their children.New York and California join several other states that have made similar moves in light of the yearlong federal defunding of Planned Parenthood. Colorado, Massachusetts, and Washington have all taken similar steps to replace lost federal funding for Planned Parenthood over the past few months.Newsom said on Thursday that California is “protecting access to essential health care” by providing funding for more than 100 locations across the state. “Trump’s efforts to defund Planned Parenthood put all our communities at risk as people seek basic health care from these community providers,” Newsom said in a statement.Hochul in a similar vein said she is putting funding toward the 47 Planned Parenthood clinics in New York, alleging that pro-life politicians will “stop at nothing to undermine women’s health care.”“In the face of congressional Republicans voting to defund Planned Parenthood, I’ve directed the state to fund these vital services, protecting access to health care that thousands of New Yorkers rely on,” Hochul said in a Friday statement.Hundreds of alternative clinics exist in both states A spokeswoman for Heartbeat International, a network that supports life-affirming pregnancy centers, told CNA there are many low-cost and even free alternatives to Planned Parenthood across the country — including hundreds of clinics and pregnancy centers in both New York and California. Andrea Trudden said that “women in California and New York already have access to a vast network of life-affirming care.” “California has more than 300 pregnancy help organizations and New York nearly 200,” Trudden said, citing Heartbeat International’s Worldwide Directory of Pregnancy Help.“These centers offer practical support, compassionate care, and resources to women facing unplanned pregnancies, empowering them to choose life for their children and themselves,” she continued. For women who need health care not related to pregnancy, Trudden noted that both states are “well served” by Federally Qualified Health Centers, which are centers that provide “comprehensive, low-cost medical care for women and families.” As of 2024, California had more than 170 of these clinics, while New York had more than 60, Trudden said, citing a report by KFF, a health policy institute. “If leaders truly cared about women’s health, they would invest in these community-based organizations that meet the needs of women before, during, and after pregnancy — not in the nation’s largest abortion provider,” Trudden added. Kelsey Pritchard, a spokeswoman at Susan B. Anthony Pro-Life America, told CNA that in California, Planned Parenthood “is choosing to shutter primary care rather than give up profiting from abortions.”In Orange and San Bernardino counties, Planned Parenthood will continue to offer abortions while closing primary care facilities. “In California, New York, and across the country, Planned Parenthoods are outnumbered by far better options and the pro-life movement is happy to help women locate the care they need,” Pritchard said, citing reports by the Charlotte Lozier Institute on community care centers and pregnancy centers for women. Jennie Bradley Lichter, the president of the March for Life, criticized politicians for prioritizing abortion funding instead of care for women and children. “Political leaders who prioritize funding for Planned Parenthood leave no doubt where their priorities lie: and it is not with women and children,” Bradley Lichter told CNA.“It’s a shame that the leaders of states like California and New York aren’t choosing to pour their resources into institutions that truly support moms, like the huge number of pregnancy resource centers located in each of those states,” she said.Women deserve better than the “tragedy” of abortion, Bradley Lichter said.“We at March for Life want women to know that when their state leaders fall short and leave them in the hands of Big Abortion, pro-life Americans will stand in the gap and help them find the love and care they need,” she continued.Defunding Planned Parenthood: a ‘life-saving’ act A spokesman for Live Action called the defunding of Planned Parenthood “one of the most lifesaving acts Congress has taken in decades,” noting that the federal government stopped funding the organization that “kills over 400,000 children every year.”“That victory must be made permanent when the one-year cutoff expires next July,” Noah Brandt told CNA. “Yet pro-abortion states like California and New York are working to undo that progress, using taxpayer money to expand abortion through all nine months and to ship abortion pills nationwide.”“Federal funding for Planned Parenthood must never return, and states that promote abortion should be held accountable for enabling the mass killing and sterilization of American children,” Brandt said.Pritchard added that although Planned Parenthood is “constantly scheming to grow their grip on taxpayer money,” the pro-life movement has seen wins around the nation — most especially, the federal defunding of Planned Parenthood.“Make no mistake, they are losing big in Congress, in courts, and increasingly in the hearts and minds of Americans,” Pritchard said.

unitedyam October 25, 2025

New York and California are pouring taxpayer dollars into Planned Parenthood, joining several other states in counteracting the federal defunding of the abortion giant. / Credit: Jonathan Weiss/Shutterstock

CNA Staff, Oct 25, 2025 / 10:00 am (CNA).

New York and California are pouring taxpayer dollars into Planned Parenthood, joining several other states in counteracting the federal defunding of the abortion giant.

California Gov. Gavin Newsom pledged $140 million to Planned Parenthood locations in California on Oct. 24. On the same day, New York Gov. Kathy Hochul committed $35 million in funding to Planned Parenthood locations in New York.

Both states are known for their abortion shield laws, which protect abortionists who mail abortion pills into states where they are illegal. Several women are suing California and New York abortionists after being poisoned by or coerced into taking the abortion pill by the fathers of their children.

New York and California join several other states that have made similar moves in light of the yearlong federal defunding of Planned Parenthood. Colorado, Massachusetts, and Washington have all taken similar steps to replace lost federal funding for Planned Parenthood over the past few months.

Newsom said on Thursday that California is “protecting access to essential health care” by providing funding for more than 100 locations across the state.

“Trump’s efforts to defund Planned Parenthood put all our communities at risk as people seek basic health care from these community providers,” Newsom said in a statement.

Hochul in a similar vein said she is putting funding toward the 47 Planned Parenthood clinics in New York, alleging that pro-life politicians will “stop at nothing to undermine women’s health care.”

“In the face of congressional Republicans voting to defund Planned Parenthood, I’ve directed the state to fund these vital services, protecting access to health care that thousands of New Yorkers rely on,” Hochul said in a Friday statement.

Hundreds of alternative clinics exist in both states

A spokeswoman for Heartbeat International, a network that supports life-affirming pregnancy centers, told CNA there are many low-cost and even free alternatives to Planned Parenthood across the country — including hundreds of clinics and pregnancy centers in both New York and California.

Andrea Trudden said that “women in California and New York already have access to a vast network of life-affirming care.”

“California has more than 300 pregnancy help organizations and New York nearly 200,” Trudden said, citing Heartbeat International’s Worldwide Directory of Pregnancy Help.

“These centers offer practical support, compassionate care, and resources to women facing unplanned pregnancies, empowering them to choose life for their children and themselves,” she continued.

For women who need health care not related to pregnancy, Trudden noted that both states are “well served” by Federally Qualified Health Centers, which are centers that provide “comprehensive, low-cost medical care for women and families.”

As of 2024, California had more than 170 of these clinics, while New York had more than 60, Trudden said, citing a report by KFF, a health policy institute.

“If leaders truly cared about women’s health, they would invest in these community-based organizations that meet the needs of women before, during, and after pregnancy — not in the nation’s largest abortion provider,” Trudden added.

Kelsey Pritchard, a spokeswoman at Susan B. Anthony Pro-Life America, told CNA that in California, Planned Parenthood “is choosing to shutter primary care rather than give up profiting from abortions.”

In Orange and San Bernardino counties, Planned Parenthood will continue to offer abortions while closing primary care facilities.

“In California, New York, and across the country, Planned Parenthoods are outnumbered by far better options and the pro-life movement is happy to help women locate the care they need,” Pritchard said, citing reports by the Charlotte Lozier Institute on community care centers and pregnancy centers for women.

Jennie Bradley Lichter, the president of the March for Life, criticized politicians for prioritizing abortion funding instead of care for women and children.

“Political leaders who prioritize funding for Planned Parenthood leave no doubt where their priorities lie: and it is not with women and children,” Bradley Lichter told CNA.

“It’s a shame that the leaders of states like California and New York aren’t choosing to pour their resources into institutions that truly support moms, like the huge number of pregnancy resource centers located in each of those states,” she said.

Women deserve better than the “tragedy” of abortion, Bradley Lichter said.

“We at March for Life want women to know that when their state leaders fall short and leave them in the hands of Big Abortion, pro-life Americans will stand in the gap and help them find the love and care they need,” she continued.

Defunding Planned Parenthood: a ‘life-saving’ act

A spokesman for Live Action called the defunding of Planned Parenthood “one of the most lifesaving acts Congress has taken in decades,” noting that the federal government stopped funding the organization that “kills over 400,000 children every year.”

“That victory must be made permanent when the one-year cutoff expires next July,” Noah Brandt told CNA. “Yet pro-abortion states like California and New York are working to undo that progress, using taxpayer money to expand abortion through all nine months and to ship abortion pills nationwide.”

“Federal funding for Planned Parenthood must never return, and states that promote abortion should be held accountable for enabling the mass killing and sterilization of American children,” Brandt said.

Pritchard added that although Planned Parenthood is “constantly scheming to grow their grip on taxpayer money,” the pro-life movement has seen wins around the nation — most especially, the federal defunding of Planned Parenthood.

“Make no mistake, they are losing big in Congress, in courts, and increasingly in the hearts and minds of Americans,” Pritchard said.

Instagram revamps restrictions on teen accounts #Catholic

null / Credit: Antonio Salaverry/Shutterstock

Washington, D.C. Newsroom, Oct 21, 2025 / 10:00 am (CNA).
Instagram updated restrictions on teen accounts to be guided by PG-13 movie ratings to prevent teenage users from accessing mature and inappropriate content.In 2024, Instagram introduced Teen Accounts to place teens automatically in built-in protections on the app. Last week, the social media platform announced additional updates to the accounts to only show teenagers content “similar to what they’d see in a PG-13 movie.”Teens under 18 will be automatically placed into the updated setting and will not be allowed to opt out without a parent’s permission. The new restrictions ban users from searching inappropriate words and from following or messaging accounts with mature content.Father Michael Baggot, LC, professor of bioethics at the Pontifical Athenaeum Regina Apostolorum in Rome, said “any change to help empower parents, protect their children, and restrict age-inappropriate content from them is a positive step forward.”“However, I am concerned because there is quite a difference between static content like a movie that can be thoroughly reviewed by a committee and very dynamic conduct that is performed in social media,” Baggot said in an Oct. 20 interview on “EWTN News Nightly.” Social media platforms include forms of cyberbullying, online predators, and artificial intelligence (AI) companions. “Those kinds of dynamic relationships are not necessarily regulated fully with a mere label,” Baggot said.The updates follow feedback from thousands of parents worldwide who shared their suggestions with Instagram. After hearing from parents, Instagram also added an additional setting that offers even stricter guidelines if parents want more extensive limitations. “Parents have a unique responsibility in constantly monitoring and discussing with their children and with other vulnerable people the type of interactions they’re having,” Baggot said. “But I think we can’t put an undue burden on parents.”Baggot suggested additional laws that hold companies accountable for “exploitative behavior or design techniques,” because they can “become addictive and really mislead guidance and mislead people.”AI in social media Since Instagram recently introduced AI chatbots to the app, it also added preventions on messages sent from AI. The social media platform reported that “AIs should not give age-inappropriate responses that would feel out of place in a PG-13 movie.”AI on Instagram must be handled with “great vigilance and critical discernment,” Baggot said. AI platforms “can be tools of research and assistance, but they can also really promote toxic relationships when left unregulated.”Measures to restrict AI and online content are opportunities for parents and users “to step back and look critically at the digitally-mediated relationships that we constantly have” and to “look at the potentially dangerous and harmful content or relationships that can take place there.”“There should be healthy detachment from these platforms,” Baggot said. “We need healthy friendships. We need strong families. We need supportive communities. Anytime we see a form of social media-related interaction replacing, distracting, or discouraging in-personal contact, that should be an … alarm that something needs to change and that we need to return to the richness of interpersonal exchange and not retreat to an alternative digital world.”

unitedyam October 21, 2025

null / Credit: Antonio Salaverry/Shutterstock

Washington, D.C. Newsroom, Oct 21, 2025 / 10:00 am (CNA).

Instagram updated restrictions on teen accounts to be guided by PG-13 movie ratings to prevent teenage users from accessing mature and inappropriate content.

In 2024, Instagram introduced Teen Accounts to place teens automatically in built-in protections on the app. Last week, the social media platform announced additional updates to the accounts to only show teenagers content “similar to what they’d see in a PG-13 movie.”

Teens under 18 will be automatically placed into the updated setting and will not be allowed to opt out without a parent’s permission. The new restrictions ban users from searching inappropriate words and from following or messaging accounts with mature content.

Father Michael Baggot, LC, professor of bioethics at the Pontifical Athenaeum Regina Apostolorum in Rome, said “any change to help empower parents, protect their children, and restrict age-inappropriate content from them is a positive step forward.”

“However, I am concerned because there is quite a difference between static content like a movie that can be thoroughly reviewed by a committee and very dynamic conduct that is performed in social media,” Baggot said in an Oct. 20 interview on “EWTN News Nightly.”

Social media platforms include forms of cyberbullying, online predators, and artificial intelligence (AI) companions. “Those kinds of dynamic relationships are not necessarily regulated fully with a mere label,” Baggot said.

The updates follow feedback from thousands of parents worldwide who shared their suggestions with Instagram. After hearing from parents, Instagram also added an additional setting that offers even stricter guidelines if parents want more extensive limitations.

“Parents have a unique responsibility in constantly monitoring and discussing with their children and with other vulnerable people the type of interactions they’re having,” Baggot said. “But I think we can’t put an undue burden on parents.”

Baggot suggested additional laws that hold companies accountable for “exploitative behavior or design techniques,” because they can “become addictive and really mislead guidance and mislead people.”

AI in social media

Since Instagram recently introduced AI chatbots to the app, it also added preventions on messages sent from AI. The social media platform reported that “AIs should not give age-inappropriate responses that would feel out of place in a PG-13 movie.”

AI on Instagram must be handled with “great vigilance and critical discernment,” Baggot said. AI platforms “can be tools of research and assistance, but they can also really promote toxic relationships when left unregulated.”

Measures to restrict AI and online content are opportunities for parents and users “to step back and look critically at the digitally-mediated relationships that we constantly have” and to “look at the potentially dangerous and harmful content or relationships that can take place there.”

“There should be healthy detachment from these platforms,” Baggot said. “We need healthy friendships. We need strong families. We need supportive communities. Anytime we see a form of social media-related interaction replacing, distracting, or discouraging in-personal contact, that should be an … alarm that something needs to change and that we need to return to the richness of interpersonal exchange and not retreat to an alternative digital world.”