JTM Carey Insurance & Financial Group

08/24/2026

Last week we had someone walk into our office looking for individual coverage who told us they’ve been uninsured since Aetna exited the individual marketplace at the end of 2025, because they didn’t know what to do.

That’s not an isolated story. There’s a lot changing in the ACA market heading into 2027.

Six carriers have confirmed they’re pulling out of Marketplace coverage in at least some states, including Cigna, which is leaving the individual market entirely across all 11 states it’s in. Florida is one of them!

The bigger point: The average person isn’t going to know what’s happening with carriers and they need a trusted partner who does. That’s the gap we’re trying to close before it happens again.

At JTM Carey Insurance & Financial Group we’re already going through the book, flagging who’s affected, and getting our team ready for the conversations that need to happen before Open Enrollment.

Same goes for our partners…..financial advisors, CPAs, payroll folks, P&C agents, anyone with clients relying on individual coverage. You don’t need to know ACA rules inside and out. You just need someone paying attention who can step in when a client has a question.

There’s going to be no shortage of headlines the next few months. We’re keeping it simple: know what’s changing, say something before people have to ask, and help them make a real decision instead of a rushed one

Send a message to learn more

07/03/2026

Happy 4th !!!

05/22/2026

05/12/2026

🎉 Turning 65 Soon? Your Medicare Supplement Options Matter.
When you turn 65, you become eligible for Medicare,but Original Medicare alone may leave you with significant out-of-pocket costs. That's where a Medicare Supplement plan comes in.

Medicare Supplement plans are designed to help cover the gaps that Medicare Part A and Part B don't.... things like copayments, coinsurance, and deductibles. Choosing the right plan can make a real difference in your healthcare costs and peace of mind.
Here's what you should know:

✅ Your Initial Enrollment Period begins 3 months before your 65th birthday
✅ Enrolling on time gives you guaranteed issue rights...no health questions asked
✅ Plans are standardized, so comparing options is key to finding the best value
✅ Premiums and carrier options vary... working with an independent agent means more choices for you
Don't wait until the last minute. The decisions you make during your enrollment window can impact your coverage and costs for years to come.

At JTM Carey Insurance & Financial Group, we work with multiple top-rated carriers to find the plan that fits your needs and your budget.... at no cost to you.

📞 Ready to explore your options? Call us today at (352) 744-0623

Send a message to learn more

05/09/2026

Worried about your ACA premium in 2026?

With enhanced subsidies set to expire and Congress still at a standstill, millions of Americans are bracing for major premium hikes next plan year. Families, small business owners, and the self-employed will feel it first.
Most people don’t realize how much of their premium subsidies are covering right now until the bill changes.

We can help you:
• See exactly how the changes affect your plan
• Shop every ACA option to keep costs down
• Explore private health plans as an alternative

Don’t wait for the renewal letter. Let’s review your coverage now.
📞 352-744-0623

04/23/2026

Business owners!

Most benefits plans aren’t built for the workforce they actually have.

They’re built off old assumptions… and then left untouched for years.

But your workforce changes.

A younger, growth-focused team cares about very different things than a mature workforce with families and higher utilization.

And industry matters more than most people realize.

Construction, manufacturing, professional services, and healthcare. Each one has different risk, usage, and expectations.

If you haven’t reviewed your group health plan recently.
Contact us!
📞 (352) 744-0623

04/14/2026

Medicare 101: What You Need to Know!

Navigating Medicare can be confusing, but we're here to help break it down!

🔹What is Medicare?
Medicare is a federal health insurance program that helps cover healthcare costs for people 65+ and some younger individuals with disabilities.

🔹 Key Parts of Medicare:
Part A - Hospital Insurance
Part B - Medical Insurance
Part C (Medicare Advantage) - Alternative plans from private insurers
Part D - Prescription Drug Coverage

Need more help or want to explore your options? Reach out to our licensed agents to find the right plan for you!

04/08/2026

Small business health insurance is one of the most important and most challenging decisions a company can make.

It requires balancing:
• Budget constraints
• Employee needs
• Long-term sustainability

And those priorities don’t always align.

Plan options vary widely
Structures differ
And what looks right on paper doesn’t always translate in real-world use.

As a result, many businesses settle for what feels “good enough,” hoping the plan performs when it matters most.

But this isn’t a small decision.

Because when a plan falls short, the impact is felt across your entire team.

If you’re a small business, it may be time for a fresh evaluation of your employee benefits strategy ensuring it truly aligns with both your goals and your employees’ needs.

📞Contact us today to get started!!!
(352)-744-0623

04/07/2026

🎉 Turning 65 or new to Medicare? You don’t have to figure it out alone.

Our licensed agents will walk you through your options, answer your questions, and help you find the coverage that’s right for you.

Let’s make Medicare simple and stress-free — we’re here for you every step of the way.

📞 Contact us today to get started!
(352) 744-0623

04/05/2026

Happy Easter & Happy Passover!

We are closed Monday and will reopen 4/7!

Enjoy the time with your family!