Health Insurance Guidance You Can Actually Use
Straightforward articles for individuals, families, and small business owners in Fort Lauderdale and beyond — written by a licensed advisor, not a search algorithm.
What You Need To Know Before Open Enrollment 2027: 4 Headlines That Affect Your Coverage
Employer costs are jumping, Marketplace premiums are rising, carriers are leaving, and CMS just cancelled 760,000+ unauthorized enrollments.
- Employer plans: the biggest cost jump since 2003
- Marketplace rates and the carriers pulling out
- What the CMS fraud crackdown means for you
Getting Health Insurance Spam Calls? Why It Happens and How to Avoid It
One online quote form can start a flood of calls and texts. Here's why it happens and how to protect your info before open enrollment.
- Why quote sites share your info
- Red flags to spot before you hit submit
- What to do if the calls have already started
Is Working With a Health Insurance Broker Free? How Brokers Get Paid
Short answer: yes. Here's how brokers get paid, what you get for free, and what to ask before you choose one.
- How a broker gets paid (and why you pay the same)
- What a good broker does before and after you enroll
- Questions to ask before you pick one
Missed Open Enrollment? How a Special Enrollment Period Can Still Get You Covered
Lost your job, moved, married, or had a baby? You may have a short window to sign up for coverage even when open enrollment is closed.
- Which life events qualify for a special enrollment period
- Why the 60-day clock matters
- COBRA vs. a Marketplace plan if you lose your job
Your Open Enrollment Checklist: 4 Things to Check Before You Re-Enroll
Most plans just auto-renew every year. Before open enrollment starts November 1, run through this 4-step checklist so you know you've still got the right plan.
- Is your premium, deductible, or network still working for you?
- Are your prescriptions still covered at a good price?
- Marketplace, private, or employer plan — know your options
5 Health Insurance Myths Costing Florida Small Businesses Good Hires
What small business owners get wrong about group coverage in Florida — and the one myth that's actually costing you good hires.
- Do you really need 50+ employees to offer it?
- Why 88% of employers say benefits matter for retention
- What plans actually require for participation and cost
When Is Open Enrollment for 2027 Health Insurance? Key Dates You Need to Know
Open enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027 — but the deadline that actually matters is earlier than you think.
- The exact 2027 open enrollment dates for Florida
- Why December 15, 2026 is the date to circle
- What changed with subsidies this year
Marketplace vs. Private Health Insurance: Which Is Right for You?
Guaranteed-issue marketplace plans and underwritten private plans solve different problems. Here's how to tell which one actually fits your situation.
- Guaranteed-issue marketplace coverage, explained simply
- How tax credits and subsidies actually work
- A clear way to decide which one fits you
Do Small Businesses Have to Offer Health Insurance? What Owners Should Know
The short answer is usually no — but offering coverage anyway can be one of the smartest moves a small business makes. Here's the honest breakdown.
- What's actually required (and what isn't)
- Why offering coverage helps you compete for talent
- Group plans that work for teams of any size — even just one
Not sure what you need?
Which types of insurance match with your families and small business?