Bonfire in the Rain

11/18/2025

🌀 The ACA Möbius Strip: A Coverage Paradox That Keeps Me Up at Night
As a health insurance agent, I often help self-employed women in their 50s and 60s navigate the complexities of ACA coverage. But there’s one scenario that feels like a Möbius strip—an endless loop with no clear “right side.”
Imagine a 57-year-old woman earning $70K/year. Her premiums are $11K/year. She deducts those premiums, lowering her MAGI to $59K—just under the 400% FPL cliff, qualifying her for a subsidy.
But if she doesn’t buy insurance, she loses the deduction… and her MAGI jumps back to $70K, disqualifying her from any subsidy.
It’s a loop:
• No insurance → no deduction → no subsidy.
• No subsidy → insurance may be unaffordable.
Like a Möbius strip, it’s hard to find the side that leads to stability.
🧩 Have you seen this play out? Are there creative ways to break the loop—HSA strategies, retirement contributions, income timing?
Let’s share insights that help our clients—and ourselves—stay covered and empowered.

11/16/2025

🌿 Is This You?

☑️ You prefer acupuncture, chiropractic, and massage over conventional treatment when possible
☑️ You invest in high-quality supplements and don't want insurance draining your wellness budget
☑️ You've made different choices about vaccination or medication—and need an agent who won't judge
☑️ You want catastrophic protection without paying for services you'll never use
☑️ You're exploring health shares, direct primary care, or non-ACA options but feel overwhelmed
☑️ You want clarity, not sales pressure—and a plan that actually makes sense for YOUR life

If you checked ANY of these boxes... we should talk. 💬

I'm Lisa Bloom, the Holistic Matchmaker, and I specialize in finding health coverage for people who don't fit the traditional mold.

Let's create a coverage strategy that honors YOUR approach to wellness.

📅 Free consultation. Zero pressure. https://holisticmatchmakerinsurance.com/bookonline/.

Or call/text: 423-799-2657
Email: [email protected]

11/12/2025

Confused about health insurance costs? Let’s make it simple. 💡
I made a short 2.5-minute video that walks through what the Federal Poverty Level (FPL) actually means — and how it affects your options for TennCare, CoverKids, and ACA subsidies here in Tennessee.

I’m Lisa — both a Licensed Insurance Agent and a Lactation Consultant — and I believe families make the best choices when they understand their options. This quick guide breaks down:
🔹 The income limits for TennCare and CoverKids
🔹 Where the ACA subsidy levels start and stop
🔹 How to see if you’re overpaying (or missing out!)

If you’ve ever wondered why your health coverage costs what it does — this video will clear that up.

🎥 Watch here: https://youtu.be/-8Eczobzrmc

💬 Want to talk through your situation? Book a free consult: https://holisticmatchmakerinsurance.com/bookonline/

Welcome to Holistic Matchmaker! I'm Lisa, your guide to health coverage and care. As both a Licensed Insurance Agent and a Lactation Consultant, I offer a un...

11/11/2025

Many folks are concerned about ACA subsidies for good reason. For those of you waiting for the government to decide the fate of THE subsidies, here are some facts.

*The subsidies for those who make between 100% - 400% of the Federal Poverty Level(FPL) are not going away. What one can see on the Marketplace today for pricing is the highest amount you will have to pay for 2026.

*The rates for 2026 for ACA insurance plans are set. Those are cannot change until 2027.

*If you make over 400% of the FPL, those subsidies are still in question. The most you will pay is the rate you see on the Marketplace today. You may or may not receive a surprise from Congress if they decide to extend the extra subsidies.

If you want to explore options to ACA, I can help with that! Book a discovery call with me now if you live in TN or GA, and we can explore alternatives. Don't wait for Congress!

Ready to Find Your Perfect Plan? Let's have a conversation about your health coverage needs. No pressure, no sales tactics—just honest guidance from someone who understands your wellness philosophy. What to Expect in Your Consultation ⏱️ Duration 30-60 minutes at your pace 💰 Investment FREE...

11/10/2025

💸 $15,000 a year for insurance?
That’s what some single women in their 50s are facing with high-deductible plans. It’s not just expensive — it’s infuriating.
If you’re tired of paying more and getting less, let’s talk. I’m hosting Health Shares 101, a virtual workshop to explore affordable, values-aligned alternatives to traditional insurance.
🌿 Drop a comment if you’ve ever felt like your insurance plan is working against you — you’re not alone.
RSVP here: https://www.facebook.com/share/14KWsNUHYPr/

11/05/2025

Don't let Marketplace costs hold you back from achieving your dreams! 😅 You're not alone in your concerns, but together we can rise above them! Now that the Marketplace is open, we're shining a light on 2026 rates from all the top carriers. And, I'm excited to share non-ACA options that empower you, regardless of income or subsidies. Book a chat with me to unlock all the possibilities - on and off the Marketplace! https://holisticmatchmakerinsurance.com/bookonline/

10/30/2025

I am so excited! Sometime yesterday the Marketplace opened for window shopping. You can look at the prices of ACA plans available for 2026. Why does this excite me? Because that means that some of the stress and anticipation of what will happen is gone. We at least know the rates of the plans, even if we don't know what is happening with subsidies. I was up until 1am looking at the possibilities for my clients and filling out their comparison spreadsheets. The surprise at least for me is that Cigna seems to be the clear leader in affordability and network, where BCBST is on the high end. If the idea of comparing all your options freaks you out, schedule a time with me and let me do that for you! https://holisticmatchmakerinsurance.com/bookonline/