Horizons Insurance and Financial Services, Inc

Horizons Insurance and Financial Services, Inc We are Personal and Business Insurance Consultants – We can help you get the right insurance cover

We are Personal and Business Insurance Consultants – We specialize in Group Benefits, Family Protection and Retirement Planning

09/09/2026

US Health Coverage After Job Exit
Navigating health coverage after leaving a job can feel overwhelming, especially with so many moving parts and deadlines. In the US, most employer health insurance ends either on your last day or at the close of that month—policies vary, so it’s important to review your employment agreement or speak with HR to avoid gaps in your coverage. Options like COBRA continuation coverage can keep your existing plan active for up to 18 months, although you’ll need to cover the full premium without employer subsidies. Beyond COBRA, there are marketplace plans, short-term solutions, joining a spouse’s or (if under 26) a parent’s plan, or exploring government programs if you qualify. Some employers may even offer extended premium assistance through severance or retiree benefits. As an independent insurance broker serving Florida, I always recommend carefully comparing your options—taking the time to do so can help you maintain the seamless protection you deserve during life’s transitions.

09/08/2026

What Could Medicaid Work Requirements Mean for SSI Applicants?
As someone who’s spent years guiding clients through the complexities of insurance and public benefits, I want to highlight a key change on the horizon: Starting in January 2027, 44 states will require adults in ACA Medicaid expansion programs to meet work requirements—except for those deemed 'medically frail.' However, the strict criteria for that exemption could mean some SSI applicants lose coverage during the disability review process. It’s important to stay informed about how these policy shifts can affect your access to essential health coverage, especially for those navigating SSI applications. At Horizons Insurance and Financial Services, we always aim to provide clear guidance on evolving regulations, so you can make the best decisions for your wellbeing.

09/07/2026

Millions Lost US Health Insurance as Subsidies Ended
The recent rollback of marketplace subsidies has brought about significant changes for millions across the US. In my years guiding clients through the insurance landscape, I’ve seen how quickly circumstances can shift—and the current numbers are sobering. Six months after subsidies ended in early Q1 2026, millions lost their health coverage and faced sharply increased costs. Marketplace enrollment has already dropped in 2026, and with actuarial estimates suggesting covered lives could fall further to around 16.5 million before year-end, it’s clear the impact is widespread. The average monthly premium has jumped to $178 from $113—a roughly 60% increase—hitting older adults and households previously just above subsidy thresholds especially hard. Many who have managed to keep their marketplace coverage aren’t sure they’ll be able to afford premiums year-round, with more than half cutting back on basic household expenses. As we look ahead, more enrollees may still lose coverage due to unpaid premiums, and millions have already shifted into less expensive plans with deductibles about 40% higher. Navigating these changes demands informed choices and timely action—a responsibility I take seriously as an independent insurance broker committed to supporting Florida families through challenging transitions.

09/06/2026

Happy Labor Day!

How Much Is a Vasectomy, and Does Insurance Cover It?Thinking about a vasectomy? 💭 Costs can range from $1,730 without i...
09/06/2026

How Much Is a Vasectomy, and Does Insurance Cover It?
Thinking about a vasectomy? 💭 Costs can range from $1,730 without insurance to just $345 with coverage—but it all depends on where you live and your plan! Did you know reversals can cost up to $15,000 and are rarely covered? Learn how you can manage the expense with payment plans and tax-smart accounts. Ready to make an informed choice? 👀💡
https://www.roomvu.com/agent-news/mauricio-giraldo/1765489-How-Much-Is-a-Vasectomy%2C-and-Does-Insurance-Cover-It%3F

Medigap vs. Medicare Open Enrollment: Key DifferencesAs someone who’s dedicated to helping Floridians navigate the compl...
09/05/2026

Medigap vs. Medicare Open Enrollment: Key Differences
As someone who’s dedicated to helping Floridians navigate the complexities of insurance, I often get questions about the nuances between Medicare open enrollment and Medigap policies. Here’s a quick clarification: Medicare open enrollment runs from October 15 to December 7 each year, giving you the flexibility to adjust your coverage—whether you want to move between original Medicare and Medicare Advantage. On the other hand, Medigap, which helps cover out-of-pocket expenses, is only available for enrollment during a specific six-month window after you sign up for Part B. Understanding these timelines is crucial for making the most of your Medicare options and ensuring your coverage fits your needs.
https://www.roomvu.com/agent-news/mauricio-giraldo/1579465-Medigap-vs.-Medicare-Open-Enrollment%3A-Key-Differences

09/03/2026

Can Spouses Be Sued for Medical Debt?

09/02/2026

US Health Insurance Cost Tradeoffs Ahead

09/01/2026

Medicare IRMAA: How Income Affects Your Medicare Premiums
Let’s connect and talk about the latest insights in the industry!

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10620 Griffin Road Suite 103
Cooper City, FL
33328

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