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 »
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 »
Deductible, copay, coinsurance, MOOP, network — explained the way a friend would explain it at a cookout, not the way a brochure does.
How to Actually Read a Health Insurance Plan Without Wanting to Throw Your Laptop Read Post »
