RKA Insurance Advisors

08/27/2026

Heads up if you have a Cigna plan through the marketplace: it won't renew in 2027. Cigna is leaving the ACA marketplace, and about 369,000 members across 11 states — including Florida — need new coverage.

Here's the trap: if you do nothing, you could get auto-moved to a different carrier that isn't in-network with your doctors, and it can disrupt your medications, copays, deductible, even your subsidy. Don't let a computer pick your 2027 plan.

I'm independent — I compare every major carrier in your state, at no cost to you. Comment your state or send me a message. Full breakdown in the comments.

08/24/2026

Owner-operators: coverage that doesn't stop at the state line.

A nationwide PPO, year-round, with telehealth on the road and no employer needed.

Here's how independent drivers stay covered.

Skip the ACA marketplace. Private underwritten PPO health insurance with BCBS, United, Cigna and Aetna. Self-employed, freelancers, truckers and travel nurses. Licensed in 30 states. NPN 19540130.

08/21/2026

Turning 26 means coming off your parents' plan with about 60 days to act.

Your options, ranked by cost: employer plan, ACA marketplace, or your own private PPO. Here's how to choose before the window closes.

Skip the ACA marketplace. Private underwritten PPO health insurance with BCBS, United, Cigna and Aetna. Self-employed, freelancers, truckers and travel nurses. Licensed in 30 states. NPN 19540130.

08/19/2026

Quick myth-buster for small business owners: Gusto doesn't sell health insurance — its benefits tab is a brokerage showing a limited menu.

If your team is healthy, an individually-underwritten nationwide PPO often prices better than standard small-group, because each person is underwritten into a broader, healthier pool. And you can keep Gusto for payroll while bringing your own broker. Here's how to compare.

Skip the ACA marketplace. Private underwritten PPO health insurance with BCBS, United, Cigna and Aetna. Self-employed, freelancers, truckers and travel nurses. Licensed in 30 states. NPN 19540130.

08/17/2026

Just got married? Combining health plans isn't automatic — and "just join my plan" isn't always the cheapest move.

Marriage is a qualifying life event, which means a window to optimize coverage, not just merge it. Here's how newlyweds should compare.

Just married? "Join my plan" isn't always cheapest. Marriage opens a special enrollment window — compare combining vs separate coverage. Free quote.

08/14/2026

"I'll just take COBRA for now." That sentence costs people thousands.

You can leave COBRA any month — no penalty, no lock-in. Healthy? A private PPO often runs 30–50% less.

Skip the ACA marketplace. Private underwritten PPO health insurance with BCBS, United, Cigna and Aetna. Self-employed, freelancers, truckers and travel nurses. Licensed in 30 states. NPN 19540130.

08/12/2026

Back-to-school season is a coverage checkpoint for self-employed parents.

Sports physicals, new prescriptions, a kid aging off your plan — here's what to check before September so nothing catches you off guard.

Skip the ACA marketplace. Private underwritten PPO health insurance with BCBS, United, Cigna and Aetna. Self-employed, freelancers, truckers and travel nurses. Licensed in 30 states. NPN 19540130.

08/10/2026

Running payroll on Gusto? That health-insurance tab is convenient —

But it's Gusto's own in-house brokerage showing a limited menu of carriers.
It won't show you one of the options that saves a healthy small team the most: an individually underwritten nationwide PPO, where each employee is underwritten into a broader, healthier pool instead of your small group being priced for its own risk.

And you can keep Gusto for payroll while bringing your own broker. Here's what the funnel hides.

Skip the ACA marketplace. Private underwritten PPO health insurance with BCBS, United, Cigna and Aetna. Self-employed, freelancers, truckers and travel nurses. Licensed in 30 states. NPN 19540130.

08/07/2026

Self-employed in Florida? Your options are better than the marketplace makes them look.

The 2026 breakdown of ACA vs private PPO for independent earners — and how to pick based on your income and doctors.

Skip the ACA marketplace. Private underwritten PPO health insurance with BCBS, United, Cigna and Aetna. Self-employed, freelancers, truckers and travel nurses. Licensed in 30 states. NPN 19540130.