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 »
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 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 »
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 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 »
A week-by-week checklist for ACA Open Enrollment season. What to gather, what to verify, and when to start — before the November 1 window opens.
Open Enrollment Season Survival Guide: What to Do Before November 1 Read Post »
Under 50 employees? Here’s the threshold math on group health vs. ICHRA/QSEHRA — when to offer a group plan, and when reimbursing is the smarter move.
Small Business Group Benefits: When It’s Worth It (And When It’s Cheaper to Reimburse) Read Post »
Quotes are for fences and oil changes. Health coverage is bigger than a number. Here’s why I dropped the word — and what we actually do.
Why I Stopped Using the Word “Quote” (and What We Do Instead) Read Post »
ACA marketplace, private market, HRAs — how a 1099 contractor or sole proprietor should actually think about health coverage, in plain English.
Health Insurance for the Self-Employed: A Plain-English Playbook Read Post »
Buying from a single carrier vs. working with an independent, veteran-led agency — what actually changes for the customer, in plain English.
Veteran-Owned Insurance Agency vs. Big Carrier Direct: What’s the Actual Difference? Read Post »
