Health Insurance When You Start Your Own Business in Florida
Starting an LLC or going solo? Why a one-person business usually can't buy a group plan, which individual options exist, and how your income estimate affects premium help.
Can You Use COBRA If You Quit Your Job?
Yes, in most cases. COBRA is available when you resign, are laid off or lose hours. Who qualifies, the deadlines to watch, and what else to compare before you leave.
How Much Does COBRA Cost Per Month?
COBRA usually costs the full plan premium plus up to 2%. How the monthly price is set, what to expect for one person or a family, and how to check yours before you elect.
Should You Let Your Marketplace Plan Auto-Renew for 2027?
Florida insurers have proposed double-digit rate increases for 2027. Why letting your plan auto-renew can cost you, and a 20-minute check to do before open enrollment.
Small Business Health Benefits: Group Plan or Reimbursing Employees?
Two ways to offer health benefits, who generally qualifies for each, and what to find out before you decide.
How to Compare Health Insurance Quotes Side by Side
A checklist for comparing quotes on more than price, with the questions that catch costly surprises.
Dental and Vision Insurance: Is It Worth It?
How dental and vision plans work, what limits to look for, and a simple way to tell if it's worth paying for.
How to Estimate Your Income for Marketplace Premium Help
A step-by-step way to estimate your income when it changes from month to month, and what a bad guess can cost you at tax time.
PPO vs. HMO vs. EPO vs. POS: What the Letters Mean for You
Four plan types, and what each means for seeing specialists, going out of network and how much you'll pay.
Does It Cost More to Use a Health Insurance Agent?
How agents get paid, why the price of a Marketplace plan doesn't change if you use one, and questions worth asking first.
Special Enrollment Period: Which Life Events Qualify and Which Don't
Losing coverage, a new baby, a move. Which events open a 60-day window to buy a Marketplace plan, and which ones don't.
Open Enrollment for 2027 in Florida: What to Do Before You Shop
Open enrollment for 2027 coverage starts November 1. What to gather first, why waiting for the last day backfires, and your options if you miss it.
Why Is COBRA So Expensive? 5 Ways to Pay Less
COBRA often costs several times what you paid on your paycheck. Why that happens, and five ways to bring the bill down after a job ends.
Can You Cancel COBRA Any Time? What to Know Before You Drop It
You can end COBRA anytime, but doing it in the wrong order can leave you uninsured. Here's the safe order, and when keeping COBRA is the smarter move.
COBRA vs. Marketplace vs. Private PPO After You Leave a Job
Three ways to cover yourself after a job ends. Cost, deadlines, who can say no, and the 60-day windows you don't want to miss.
Turning 26: Your Health Insurance Options After a Parent's Plan
Coverage on a parent's plan ends at 26. When exactly, how long you have to pick a new plan, and the options worth comparing.
How to Check If Your Doctor Is In Network Before You Pick a Plan
Five steps to confirm your doctors, hospital and pharmacy are covered before you enroll, and what to do if one isn't.
Deductible vs. Out-of-Pocket Maximum vs. Copay: What You'll Pay
Four terms that decide what you actually pay, with a worked example and a look at when a $0 deductible plan comes out ahead.
Private PPO vs. ACA Marketplace Plans: Which One Fits?
Underwriting, premium help, networks and what's covered. A straight comparison of the two main options for individuals and families.
Health Insurance for the Self-Employed in Florida: Your Real Options
How Marketplace and private PPO plans compare, what a wrong income estimate can cost you at tax time, when to enroll, and how to tell which plan you'd qualify for.