Your Insure Guide

04/26/2026

Now that taxes are filed, this is a really good time to check the income listed on your Marketplace health insurance application.

For self-employed individuals and small business owners, tax season often gives you the clearest picture of what your income actually looked like last year. And because your premium tax credit is based on the income on your application, this is an important moment to make sure everything is still accurate. If your income has changed and your application hasn’t been updated, your premium tax credit may no longer match your current situation.

This is especially worth reviewing if you:
• are self-employed
• own a small business
• had fluctuating monthly income
• earned more or less than expected
• had changes in your household or coverage needs

Updating your Marketplace application helps keep your coverage and financial help aligned with real life — not just the estimate you made months ago. It can also help reduce the chance you have to repay tax credits next year.

It may also be worth checking in with your tax advisor or financial planner about strategies that could help lower your ACA-countable income.

04/12/2026

Open Enrollment may be over, but some Medicare beneficiaries may still qualify for a Special Enrollment Period (SEP).

SEPs may allow you to join, switch, or leave a Medicare plan after certain life events, such as moving out of state, qualifying for Medicaid or Extra Help, becoming eligible for certain plans designed for specific health needs, or other qualifying events.

The value of an SEP is simple: it may allow you to adjust your coverage when life changes instead of waiting for the next annual enrollment period.

Before making any change, be sure to review your doctors, prescriptions, pharmacy, premiums, and out-of-pocket costs carefully.

Educational only. Not affiliated with or endorsed by Medicare, CMS, or any government agency.

01/21/2026

Simple tips to make sure you're not getting over-billed for your care

Received a Medicare Summary Notice? It’s not a bill, but it is your best defense against fraud. Learn the 6 sections to read line by line.

12/31/2025

Wishing you all a wonderful start of the New Year!!
A reminder if you're in CA or NV, today is the last day to enroll in an individual healthcare plan on the CoveredCA/NV Healthlink marketplaces if you want coverage starting Jan 1, 2026.
Don't forget to check your plans, don't just rely on auto-enroll or you might be up for a surprise you don't like.

12/09/2025

IMPORTANT REMINDER!!
ACA Open Enrollment runs to Jan 15, but if you want your plan to start Jan 1, you need to enroll or actively renew by Dec 15.
Auto-renew isn’t your friend this year—plans changed, rates shifted, and many households are seeing different tax credit amounts. Double-check your doctors, meds, and costs so you’re not surprised on January 1.

➡️ Comment “REVIEW” or message me for a 15-minute checkup.
Serving CA • AZ (some states extend past Jan 15—ask us).

11/15/2025

If a CPA cost you $0, would you still DIY your taxes?
That’s how health insurance works with a licensed agent.

When you enroll, your premium is the same whether you go it alone or get expert help. Our support is built into the system—no extra cost to you.

What you get with YourInsureGuide:
• Plan comparisons in plain English
• Network + prescription checks
• Help with enrollments, renewals, and life changes
• Year-round support if issues pop up

Why not use an expert when it doesn’t cost more?
Serving NV • CA • AZ • CO

Want to find out more? DM or email me at [email protected]



We do not offer every plan available in your area. Currently we represent 4 organizations which offer 43 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. The complexities of Medicare make it difficult to understand. If you need help, let me know!

11/07/2025

For all entrepreneurs and others buying your own health insurance, it is open enrollment for medical insurance and I thought I'd highlight a few important updates:

The ACA “income cliff” returns for 2026.
APTC (the monthly tax credit) isn’t going away, but the temporary expansion ends. If your 2026 income is over ~$62,600 for a single-person household (≈400% FPL), you likely won’t qualify for APTC.

⚠️ Estimate your income carefully.
Don’t underestimate your expected income just to get a bigger credit now. APTC is reconciled at tax time against your annual income—and if your year-end income lands over 400% FPL, you’ll repay ALL of the APTC (there’s no repayment cap at that level). If you think you’ll be close to the $62,600 line, talk with your tax pro about ways to legally reduce MAGI. If you’re unemployed today, still consider what you might earn if you land a similar job later this year—the IRS looks at the whole year, not the months you were out of work.

Hint: For 2026, all Bronze and Catastrophic plans are HSA-eligible, so you can pair your plan with an HSA to lower MAGI and build tax-advantaged savings. (IRS HDHP contribution rules still apply.)

Other options:
Off-exchange plans: Sometimes priced competitively with the same essential health benefits—useful if you don’t qualify for APTC.

Short-term or supplemental coverage: Can bridge gaps for specific situations, but not ACA-compliant and may exclude pre-existing conditions. Read the fine print.

Have questions? DM me or reply in the comments.

10/31/2025

Welcome to my page — and to a clearer path to understanding your coverage. 🌿

I’m Tiina, an independent insurance agent licensed in California, Nevada, Arizona, and Colorado — helping people make sense of health insurance with clarity and confidence.

After years in the corporate world, I realized my favorite part of every role was helping people connect the dots — understanding what they needed and finding the right solution. That’s exactly what this business is built on.

Here you’ll find:
✅ Simple explanations of confusing insurance terms
✅ Updates on open enrollment, plan options, and key deadlines
✅ Tips for entrepreneurs, small business owners, and individuals navigating coverage on their own
✅ Guidance and tools to help you make confident, informed choices

No jargon. No pressure. Just education, support, and help finding what fits.

This is where I’ll share insights, tools, and resources to help you find your path to better coverage.

I’m glad you’re here — and I hope you’ll follow along. 💙

If you have questions or want to see something explained here — comment below or message me anytime. 💬

I’m so glad you’re here!
— Tiina

(Photo: Me doing what I love — finding paths, fresh air, and perspective. Exactly what I hope to bring to this work, too.)

We do not offer every plan available in your area. Currently we represent two organizations which offer 14 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.