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.
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 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 »
Open Enrollment Season Survival Guide: What to Do Before November 1
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 »
Small Business Group Benefits: When It’s Worth It (And When It’s Cheaper to Reimburse)
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 »
Why I Stopped Using the Word “Quote” (and What We Do Instead)
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 »
Health Insurance for the Self-Employed: A Plain-English Playbook
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 »
Veteran-Owned Insurance Agency vs. Big Carrier Direct: What’s the Actual Difference?
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 »
The 5 Mistakes People Make on Their First Medicare Enrollment
Missed windows, wrong Part D, picking Mom’s plan — the five Medicare enrollment mistakes we see most often, and how to sidestep every one.
The 5 Mistakes People Make on Their First Medicare Enrollment Read Post »