The Subsidy Cliff Hit You. Here's the Playbook.
Your January premium bill probably looked unrecognizable. Pennie, Pennsylvania's marketplace, reports one in five enrollees dropped coverage between December and February. Nevada Health Link approved...
Read moreWhy I Sell So Much Supplemental Insurance (And How To Know If You Need It)
Most people who buy supplemental insurance through me don't know what it is when they call. They know they need "more coverage" because their deductible is high or their plan has gaps. That'...
Read moreHealth Insurance for Self-Employed: What I Actually Recommend (From a Broker Who's Placed 145 Clients)
I'm Mary Jones. I'm an independent health insurance broker, licensed in 38 states, and I work mostly with self-employed people, freelancers, and small business owners. I've placed about 145 clients ac...
Read moreMy 2026 Marketplace Premium Went Up. Should I Switch to Private Health Insurance?
If your 2026 marketplace premium jumped, the first question is not "what is the cheapest plan?" The first question is: what changed, and which options are actually safe for your situation? I...
Read moreWhy You Do Not Have to Wait for Open Enrollment to Change Your Health Insurance
Most people think they have to wait Every week I get a call that goes something like this. Someone looked at their latest premium bill, did the math on what they are actually paying for what they are...
Read moreNevada Health Insurance Rates 2026
My phone started ringing the first week of November and did not stop for two months. I have been a licensed broker in Henderson for over a decade, and I have never seen anything like the 2026 open enr...
Read moreBattle Born State Plans: Henderson Guide
My phone has been ringing off the hook about Battle Born State Plans Nevada since open enrollment started. I'm not exaggerating. Every other call is someone asking me if these new plans are real, if t...
Read moreACA Open Enrollment 2026: Key Dates
Update: The January 15, 2026 enrollment deadline has passed. If you've experienced a qualifying life event, you may still be eligible for a Special Enrollment Period. Contact us to learn about your op...
Read moreSelf-Employed Health Insurance 2026
Going out on your own is exciting, but figuring out health insurance as a self-employed individual can feel overwhelming. Without an employer plan to fall back on, you're responsible for finding and p...
Read moreHealth Insurance Deductibles Explained
"What's your deductible?" It's one of the first questions people ask about health insurance, but many don't fully understand how deductibles actually work—or how they should influence your p...
Read moreSmall Business Health Insurance Guide
As a small business owner, you know that great employees are your biggest asset. And increasingly, talented workers expect health benefits—even from smaller companies. But navigating small business he...
Read moreShort-Term Health Insurance: Pros and Cons
Lost your job? Waiting for employer coverage to start? Missed open enrollment? Short-term health insurance might be on your radar. These plans can be a financial lifesaver—or a risky gamble—depending...
Read moreHow Much Life Insurance Do You Actually Need?
Life insurance is one of those things people know they should have but often put off because it feels complicated—or morbid. Let's simplify it. The most common question I get: "How much coverage...
Read moreHMO vs PPO: Which Plan Is Right?
When shopping for health insurance, you'll encounter alphabet soup: HMO, PPO, EPO, POS. The two most common—HMO and PPO—work very differently, and choosing the wrong one can cost you money or limit yo...
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