Your 2027 Health Insurance Rates Are Being Set Right Now. Here’s What That Means for You.
Insurers just filed their proposed 2027 rates. Here’s what the double-digit headlines actually mean for you, and why the first number isn’t the final number.
What Universal Healthcare Would Actually Look Like Here and an Honest, Country-by-Country Review
Universal healthcare isn’t the fix everyone thinks it is. An honest country-by-country look at what UHC actually delivers, what it costs, and a market-based alternative that fixes the specific gap in the US system without tearing it down.
The Medicaid Unwinding Aftermath — Where the 25 Million Landed
25 million+ Americans have been moved off Medicaid since April 2023. Most were “procedural disenrollments” — paperwork problems, not eligibility. If you lost coverage and it’s within 60 days, your Marketplace SEP is open right now.
The Medicaid Unwinding Aftermath — Where the 25 Million Landed Read Post »
Open Enrollment Just Got Shorter — Nov 1 to Dec 15 in Most States
New federal Marketplace rules compressed the Open Enrollment window to roughly six weeks — November 1 to December 15 in most states. Auto-renewal isn’t the safety net it used to be. Here’s what changed and how to plan around it.
Open Enrollment Just Got Shorter — Nov 1 to Dec 15 in Most States Read Post »
Why You’re the Only Loser in the Dental Insurance Racket
“We accept all PPO insurances” doesn’t mean what you think it means. Half the dentists are in-network with nobody — and the pricing is designed so you’re the only one who loses. Here’s how the racket works and the right question to ask at the front desk.
Why You’re the Only Loser in the Dental Insurance Racket Read Post »
What Health Insurance Actually Looks Like in Every State — A 50-State Guide
Licensing is one layer. Carrier appointments are another. What the carrier’s app will actually let me quote you is a third. Here’s where all three line up right now — across every state I’m licensed in and the ones I’ll happily add.
What Health Insurance Actually Looks Like in Every State — A 50-State Guide Read Post »
Short-Term Medical Duration Laws Are Changing — Your State Matters More Than Ever
The federal default for Short-Term Medical is back to 12 months renewable up to 36 months total — but your state can override that. Here’s the 2026 map, and why it matters if you’re above the ACA subsidy line.
Short-Term Medical Duration Laws Are Changing — Your State Matters More Than Ever Read Post »
The ACA Subsidy Cliff Is Back — and Most People Don’t Know It
The enhanced premium tax credits that softened ACA premiums from 2021 to 2025 expired on December 31. For 2026 coverage, the 400% FPL cliff is back — and the difference can be hundreds of dollars a month.
The ACA Subsidy Cliff Is Back — and Most People Don’t Know It Read Post »
Medicare Advantage 2026 — What Changed and What to Do About It
A new $2,100 Part D out-of-pocket cap, higher IRMAA brackets, and Medicare Advantage benefits getting quietly thinner. Here’s what actually changed for 2026 — and what to do about it before AEP closes.
Medicare Advantage 2026 — What Changed and What to Do About It Read Post »
What an Insurance Advisor Actually Does (and What We Don’t)
What a real insurance advisor does for you, what we don’t do, and how to tell whether you’re working with one or with a salesperson in disguise.
What an Insurance Advisor Actually Does (and What We Don’t) Read Post »