Guides and articles

Straight answers on
health and life coverage.

These are the questions people actually call me about: what a plan covers, what it really costs, and what changes when your income does. Written for families in the 8 states where I'm licensed.

All guides

13 guides. Start with whichever one matches the question you came here with.

Health Insurance

Featured

When Is Open Enrollment 2027? Dates, Deadlines, and What's Still on Appeal

Open enrollment 2027 runs November 1 to January 15 on healthcare.gov. December 15 is the cutoff for a January 1 start. What's on appeal and what changed.

Updated September 13, 2026

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Health Insurance

Florida ACA Subsidy Cliff: The 400% Line for 2026 and 2027

Where Florida's subsidy cliff sits for 2026 and 2027 coverage, who lost the credit, what the full price costs, and what's settled for 2027 open enrollment.

Updated September 24, 2026

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Life Insurance

Term vs. Whole Life Insurance: 2025 Cost Comparison Guide

What the same death benefit costs as a term policy and as whole life, where each one fits, and how to tell which you actually need before you sign anything.

Updated September 6, 2026

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Life Insurance

What Changes When You Buy Life Insurance Later

Why the price of life insurance tracks your age and health, what a policy tends to look like when you buy in your twenties, and what changes if you put it off.

Updated September 6, 2026

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Life Insurance

Life Insurance with Health Issues: Your Complete Options Guide

A health condition doesn't automatically rule out life insurance. How underwriting reads your history, what may still be open to you, and what to know before you apply.

Updated October 20, 2025

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Life Insurance

How Much Life Insurance Do You Really Need? The 10x Income Rule Debunked

Why the 'ten times your income' rule can miss in either direction, and how to size coverage from your own income, debts, and the years your family would need it.

Updated September 17, 2026

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Health Insurance

PPO vs HMO vs EPO: Choose the Right Plan Type for Your Family

What PPO, HMO, and EPO mean for which doctors you can see, whether you need referrals, and what you pay, and how to match the plan type to how your family uses care.

Updated October 20, 2025

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Health Insurance

Health Insurance Deductibles: How to Lower Your Out-of-Pocket Costs

Practical ways to lower what you pay for health care without giving up coverage you need. A plain guide to how deductibles work and where the savings are.

Updated September 6, 2026

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Health Insurance

Open Enrollment Checklist for 2027 Marketplace Coverage

Open enrollment has hard deadlines and a few expensive traps. Here's a step-by-step checklist for working through it without missing anything.

Updated October 5, 2026

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Carrier Analysis

Aetna vs Cigna vs UnitedHealthcare: What Actually Differs, and How to Choose

Which of Aetna, Cigna and UnitedHealthcare still sells marketplace plans in your state, and how to check networks, drugs and costs before you choose.

Updated September 23, 2026

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Local Market

Small Business Benefits in Florida: Voluntary Coverage I Can Set Up, and the One I Cannot

What a small employer in Florida can put in place through me, which voluntary benefits exist and how payroll deduction works, plus a plain statement of the coverage I do not place and where to start if that is what you need.

Updated September 20, 2026

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Life Insurance