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The Health Advocate Need an Advocate for finding a quality health insurance plan? Look no further

Last year rates jumped an average of 26% on the ACABut surely, this year can't be that bad, can it?Well, technically, no...
10/05/2026

Last year rates jumped an average of 26% on the ACA
But surely, this year can't be that bad, can it?
Well, technically, no. But still, pretty bad, as Insurers are proposing a median increase of 15% for 2027

It's only getting harder for high earning individuals and families who work for themselves to afford this kind of insurance

And they're not even happy with the coverage itself in most circumstances

- Limited Networks(HMO or EPO) with no PPO options available or if they are available, they're obscenely expensive
-Sky high deductibles with little to not benefit before that deductible is met

It's all so tiresome.

DM me PRIVATE for a free coverage audit
Email: [email protected]
Text/call: 859-270-5867

09/23/2026

"1,900 a month for a plan that covers nothing"
Self employed family of 4, early 50s
And that was the "cheaper" option

Regularly paying the cash price when they go to the doctor because its less expensive than going through insurance

So none of what they're paying even counts towards the deductible
But they do it anyway because of the cash pay discount

Symptoms of a broken system, yes
But, symptoms of someone who has never had any help optimizing their options as well?

Also yes.

This is how many of my conversations start - with a quick rundown of things that are frustrating

Way too much money for what is purely catastrophic coverage, something that people would like to be much less expensive, but in a high income household that doesn't qualify for subsidies on the Marketplace, that's just not going to happen

Which is why you should heavily consider looking outside the Marketplace if you feel your family is relatively healthy and you don't "use" the insurance much anyway

That same family of 4 paying $1,900 a month very well may end up only paying $1,200 a month for a private plan

With better benefits and a lower deductible so they don't feel like they have to pay cash for every little thing to boot - they can actually use their plan and get a lot of small, routine things paid for

They're also not paying for things they don't need like Maternity coverage, because they're done having children

In short, they're getting something they never had before - customization and pricing that reflects that

Feel like you're overpaying for coverage that covers nothing until you meet your high deductible? DM me CUSTOM for a free coverage audit. It could reveal that you're over paying by $300-$700 monthly.

09/21/2026

Private health insurance is pretty simple

It’s usually 20-40% less expensive than the marketplace(if no subsidy)

And it’s a good fit if you don’t have any pre existing conditions

Are you healthy and on the marketplace?
Higher income?

If so, aren’t you tired of overpaying for high deductible HMO plans?

Send me a DM and let’s see if I can’t say you hundreds off your monthly health insurance costs

"We didn't realize the benefits were going to be like this"-Someone who just switched from Corporate to a Smaller compan...
09/17/2026

"We didn't realize the benefits were going to be like this"
-Someone who just switched from Corporate to a Smaller company

Expectation:
A low deductible PPO plan that is paid for and covers my whole family

Reality:
-An HMO
-A $5k individual deductible and $7k OOP Max
-100% paid for by the employer....for the employee. It costs $1,300 a month to add your spouse and kids.

Translation: Your coverage just got a lot worse and you're paying a lot more than you were before because you have to shoulder the cost of adding your family to the plan

And if you weren't ready for that, its a real shock to the system

The good news is you may not be SOL

If your family is relatively healthy and does not have any major pre existing conditions, private health insurance options are available year round that could cost anywhere from $300-$500 less a month than picking up the tab through your employer plan

DM me SAVE if you're on an expensive employer plan for a free coverage audit.

"I don't do Health Insurance and I need to have a good answer for this when it comes up with my clients"-A Financial Adv...
09/14/2026

"I don't do Health Insurance and I need to have a good answer for this when it comes up with my clients"
-A Financial Advisor that cares

Not making this kind of effort leads to situations where your client pays $800 more a month for coverage they don't need

And look, I understand, the majority of your clients are probably W2 and this really isn't even something that comes up a lot

But it does come up.
And your answer when your client loses their job shouldnt default to "Take Cobra"
Just like how when your client decides to become self employed or retire early, your default answer shouldn't be to "Sign up with the Marketplace"

It is way more nuanced than that and there are other options worth considering

Along with ways of structuring things that you might not even consider

What you might think is the good, safe, conventional answer could be costing your clients thousands more yearly or worse, leading them to the wrong coverage for their situation

Last April, a family of 4 paying $2,000/month for Cobra for 9 months reached out and found out that they could have been saving $800 a month or more the entire time but didn't know their options until we spoke

I found them adequate coverage for a fraction of the cost when their advisor didn't bat an eye about their Cobra coverage

Point being, Health coverage needs to be optimized

But real optimization takes heavy lifting, experience, and an in depth understanding of all options available and how they apply to an individual's specific situation...

And that is why many of the Financial Advisors I've come across over the years reach out to me when their clients have these kinds of questions.

And their business is much better off for it.

More time to focus on what they're good at
While knowing their clients are in the best of hands and that they ultimately did have a great answer and resource for their Health Insurance question

You can either be the advisor that deflects the question
Or the advisor that handles it like a pro and brings in another pro to make sure their client is getting it right

And one that actually sticks around for your clients when they have questions later or their situation changes

If you're tired of being on the wrong side of that conversation and would rather be the hero that helps save your clients 20-40% on their premiums, DM me INSURANCE to chat

09/07/2026

"We had to pay back 20 thousand dollars on our taxes last year"
A business owner said this to me some years ago
And I'll hear it again soon

At tax time in 2027 or later on in the year
Why?

The Premium Tax Credit cliff returned this year on the ACA Marketplace and the implications for you could be massive if you incorrectly projected your 2026 household income

If you make even just 1 dollar more than what you estimated for your yearly income...

You will lose your entire tax credit if that dollar puts you over 400% of the Federal Poverty Limit and you will have to pay back every bit of it

For example:
Older Household of 2(50 years old+)
Tax credit subsidy of $1,500 per month
Monthly payment: $0

But when you file your taxes in 2027 if you've made more than the tax credit threshold allows...even just by a dollar

That means your tax bill just went up by $18,000
$1,500(full cost of the premium) x 12 months

Ouch.

My clients won't be running into that issue, though

Because private health insurance isn't based on your income at all, it has nothing to do with premium tax credits

Additionally, it's usually around 20-40% less expensive monthly than an unsubsidized marketplace plan as well

So if you don't qualify for tax credits anyway, its probably worth a look if you and your family are relatively healthy and don't have any major pre existing conditions

DM me AUDIT for a free coverage audit

$968 a month to add your spouse to your work planKids too? Add $400+ on top of that. That's $16,000+ a year for Health I...
08/22/2026

$968 a month to add your spouse to your work plan
Kids too? Add $400+ on top of that. That's $16,000+ a year for Health Insurance.

W2 life isn't always what its cracked up to be, ya'll

Lets say that spouse is a 35 year old male, perfectly healthy

$968 for a 35 year old is INSANE.

I could insure him on a high quality, private PPO plan for between $300-$600 a month depending on how the plan is customized

That's a minimum of $368 a month in savings vs the group coverage ya'll.
$4,416 a year - at the very least!

What I hate most about the graph below is that this is for Dickinson ISD just outside of Houston

Teachers - who already have a tough, but important job, and who are arguably often underpaid and overworked - they're the ones facing those prices in this case.

If more of these teachers were able to save $4k or more of their own money each year maybe they actually won't have to stretch their budget so much buying school supplies out of their own pockets for once.

If you deal with similar pricing through your employer or know someone that does, please DM me "W2" to get a free coverage audit and see if I can't help put a few hundred or more of your hard earned dollars back in your pocket each month.

My clients: "Wow, the ER visit for my son's broken arm only ended up costing a couple $100 bucks!"An impaled nurse in Mo...
08/08/2026

My clients: "Wow, the ER visit for my son's broken arm only ended up costing a couple $100 bucks!"
An impaled nurse in Montana: "I'd rather hike 10 miles than pay to be airlifted out of here"

Context: A nurse in Montana recently fell and impaled himself on his own trekking pole.
Instead of calling for helicopter rescue though, which would be very expensive, he decided to hike 10 miles(about 6 hours) back

The low hanging fruit here would be to talk about how this speaks to the objectively outrageous cost of health care in this country, which has been done to death

I'll spare you.

-> The two things that struck me were:

1. My clients average claims experience with accidents
2. How this guy stayed calm, didn't freak out, and how it saved him thousands

I regularly equip my clients with blanket accident coverage to help supplement their out of pocket expenses for such events

They're not "really" paying more for it either...

In fact, on average, I'm saving them 20-40% monthly with private health insurance vs what they would have paid on the Marketplace - and that's including the price of the accident coverage bundled in.

That same coverage that some might say you don't need and is an unncessary expense is often saving my clients thousands of dollars every time one of them has an accident.

After all, the ER is expensive, people. My client whose son went to the ER would have had a $4,000 bill without their blanket coverage in place

Instead? Paid $300.

In abscense of this kind of coverage though...you might be better off hitting up Urgent Care

And saving the ER for the true emergencies

Like being impaled lol

07/29/2026

"Thank you for your prompt response"
10 clients
47 Minutes

Some data on my last 10 client interactions:

- Questions about claims processing and how benefits were being applied
-If doctors in their area would be in network(they moved)
-Concerns over contract negotiations between their insurance carrier and their local hospital system
-Rate increases and if we can do anything to reduce cost

I'll spare you the rest, but
I got back to them all and quick.
On average, in 47 minutes, in fact.

As for the outliers,
Longest response time: 2 hours and 22 minutes
Shortest: 4 minutes

Most people I talk to who have worked with someone that helped them get health insurance say one of two things:

-That person doesn't work in the industry anymore
or
-They don't return their texts or calls.

Worst case, you'll probably hear from me in about 47 minutes.

07/24/2026

Happy Friday!
If you just lost your health insurance or are struggling to pay for your current plan, reach out and I can give you a free quote in just a few minutes. DM or comment QUOTE

Address

Houston, TX
77042

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Thursday 9am - 6pm
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