Mike Longley

Mike Longley Making health insurance shopping easier for individuals, families, and small businesses in the U.S.

06/17/2026

The BEST careers start with the right match

The Right Training. The Right Person. The Right Opportunity. Ready to get started? Hit me up. Let's talk. 💬
06/17/2026

The Right Training. The Right Person. The Right Opportunity. Ready to get started? Hit me up. Let's talk. 💬

What is the difference between the types of health insurance networks? A health insurance network largely refers to the ...
11/29/2023

What is the difference between the types of health insurance networks?

A health insurance network largely refers to the area or radius of coverage a health plan offers (where you can receive services) and the cost of the policy.

For example, HMOs (Health Management Organizations) usually offer a limited network of doctors and hospitals within your city or county of residence and are the types of health insurance plans usually offered through The Marketplace or your employer.

Preferred Provider Organizations, also known as PPOs, typically offer the largest networks of providers, especially if you select a PPO on a nationwide network. Meaning you have access to almost any hospital, doctor, or provider within the United States. These types of plans are usually private but you could save hundreds of dollars if you don’t have any major health conditions.

Figuring out the best type of health insurance plan for us can be tricky, but a list of your essential needs and budget can be very helpful when narrowing down options.

Whether you are looking for an individual or self-employed health plan, a family health plan, or health insurance options for your small business, I can point you in the right direction.

Contact me to schedule a free consultation!

The cost of living is increasing, and so are health insurance costs. Regardless of where you get your health insurance f...
11/20/2023

The cost of living is increasing, and so are health insurance costs.

Regardless of where you get your health insurance from, chances are you will be paying more out of pocket this year, and that is not even taking into consideration adding family members onto your policy.

Before renewing or selecting a new plan, make sure it meets your most basic health needs and those of your family, as the scope of coverage can change yearly.

You might find that keeping your employer coverage is the best choice because it covers any preexisting conditions you or your family members might have or that a health plan through The Marketplace, better known as Obamacare, is your best choice financially.

But what happens when health insurance costs are prohibitive through an employer, and everyone in your plan is relatively healthy? Or what happens when you don't qualify for tax credits through The Marketplace because you make a bit more than "you should" and feel frustrated for paying for a plan you barely use?

For that, you have private health insurance.

If you do not have any major preexisting conditions, you may qualify for private health insurance plans and save up to 40% or more on your monthly premiums.

If you are looking for flexibility, traveling often, self-employed, or a small business owner, a private plan with a nationwide provider network could be just what you need.

DM me to schedule a free consultation!


OPEN ENROLLMENT IS NOW!! If your employment insurance premiums are through the roof or your letter of increase left you ...
11/02/2023

OPEN ENROLLMENT IS NOW!!

If your employment insurance premiums are through the roof or your letter of increase left you running for the hills, it might be time to look into a private health option.

There is a misconception that private health plan costs are prohibitive, but that is often not the case. Private health plans are ideal for travel nurses, locum tenens, real estate agents, small businesses, or anyone looking for plans that can be customized to fit their needs.

If you are relatively healthy and would like a plan that offers flexibility, an extensive network of doctors, and does not take income into consideration to calculate rates, contact me!

I have almost ten years of experience helping others navigate the health insurance selection process and can point you in the right direction.

Open enrollment is here, along with the stress of choosing a decent health plan among hundreds of options.😨But how do yo...
10/30/2023

Open enrollment is here, along with the stress of choosing a decent health plan among hundreds of options.😨

But how do you know which is the best plan for you? Well, it all depends on your personal circumstances and needs.

When you are ready to jump into the health insurance arena, take the following factors into consideration:

Cost: Health insurance premiums can vary widely, so it is essential to compare plans to find one that fits your non-negotiable needs and budget. 💵

(Make a list of the type of specialists you need, procedures, and medications--the copays and deductibles you must satisfy for each.)

Coverage: Make sure the plans you are looking at cover the services you need, such as doctor visits, any particular specialists, procedures, hospital stays, and medications. ☔

(Even if you decide to renew your old insurance, make sure your doctors and medications are still covered, as provider contracts are renewed yearly.)

Network: Consider the network of doctors, hospitals, and pharmacies that are covered by the plan.

Based on your needs, do you benefit more from an HMO, EPO, or nationwide PPO network? You want to ensure you can easily access the care you need, whether traveling often throughout the country or your home state. 🚗 ✈️

⚠️ ALWAYS look at your max out-of-pocket; this is the most you will have to pay out of pocket in a year should you have any significant medical expenses or emergencies.

If you need guidance in finding health insurance that is not based on your income or tied to any employer, reach out for a complimentary consultation!

If you are self-employed, it is essential to get health insurance. A health insurance plan is a way to protect yourself ...
09/29/2023

If you are self-employed, it is essential to get health insurance. A health insurance plan is a way to protect yourself and your family from long-lasting financial hardships if you get sick or injured.

Some benefits of having health insurance as a self-employed person are peace of mind, financial protection, and access to quality care.

If you are self-employed, a real estate agent, travel healthcare professional, consultant, or contractor, I encourage you to get health insurance. It is an essential investment in your health, peace of mind, and financial future.

Please share with your family, friends, or anyone who could benefit from a health plan with an extensive network of doctors and hospitals available nationwide.

I look forward to helping you choose the best health insurance benefits for you, your family and your small business.

- Mike


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Fort Lauderdale, FL

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+19544614995

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