Nate Tate the Insurance Guy

04/24/2026

Got a kind review from a new client.

11/10/2025

I've been doing health insurance since ObamaCare went into effect. A lot of people I'm speaking to are under some wrong impressions about next year. I'll explain more below, but the nutshell version is that *as things currently stand*, we will be shifting from Covid ObamaCare back to Original ObamaCare, minus the tax penalty for not having compliant coverage.

What's the difference?

Original ObamaCare: in your income falls within a certain window, the government will pay a certain amount toward the premium of a plan on the marketplace. Fall under or over that window, you get nothing, regardless of family size, etc.

Covid ObamaCare: removed the cut-off at the top of the income window (ie, a single making $120K a year won't get a subsidy, but a family of 5 with an $120K income usually would, because of more people consuming that income). Covid ObamaCare also expanded the amount of subsidy you could receive (ie, a $35K income in original ObamaCare might get you a $250 subsidy; now the same income for the same person gets you a $350 subsidy).

Now, if Covid ObamaCare expires (as the previous administration said it would), then we revert back to Original ObamaCare. It DOESN'T mean an end to the entire program. It also doesn't mean that subsidies are gone. We are simply back to the 2026 version of what was originally voted on, minus the tax penalties.

I hope this helps! Am not trying to be political, but just trying to provide clarity as I am seeing a lot of inaccurate posts and re-shares being done by people on both sides of the political isle.

Feel free to pass this on, and feel free also to message me with questions.

07/31/2025

If you're concerned that you or someone you love won't get a subsidy on the marketplace next year, this should provide some clarity.

Since the Big Beautiful Bill has been passed, a number of people have reached out to me with concerns about their marketplace insurance.

05/15/2025

If you're going overseas, I highly recommend getting travelers health insurance. This isn't to cover lost luggage, flight cancellations, etc - it's to make sure you're not paying the medical bills in the event of sickness or injury. The policy also pays for medical evacuation if needed.

Just quoted a 33 year old for an 8 day trip. $20.48 to get a million in coverage with no deductible.

Blue Cross Blue Shield offers comprehensive international health insurance. Visit GeoBlue to review travel medical plans for travelers, expats, crewmembers, and missionaries.

04/03/2025

A quick success story - I was referred to a couple who was shopping health insurance for their 26 year old, who was aging off their plan. Over the course of the conversation they shared that they would have liked to have retired by now (as the husband is 66 and Medicare eligible), but his wife had some health needs and they didn't think they could afford the marketplace plans at full price.

I had them estimate their taxable income for 2025 if he were to retire at the end of May, and at that reduced rate she qualified for significantly lower premiums on the marketplace - it was actually going to be less expensive for her to have marketplace coverage than it would be for her to stay on the employer plan.

While the marketplace plan doesn't have a nationwide network, it still covered all her local doctors and she hadn't yet paid much toward the current year's deductible.

So in a nutshell, he's getting to retire sooner rather than later, and they're saving money on insurance without having to sacrifice their doctors. His Medicare coverage will be an improvement, her benefits are staying relatively static - and their son is squared away on his own insurance plan, too.

12/02/2024

Details matter. A current Medicare client sent me her medications list, and was a little annoyed when I insisted on getting the exact dosage amount and whether each medication was taken in capsule or tablet form. However, one of those meds in tablet form was projected to be $500 per month, and the capsule form was $5 a month.

Story shared with permission.

10/22/2024

A great meeting today with the well-adjusted Dr. David Gulledge! If you or yours are needing chiropractic care, David and his wife Shirin will do a fantastic job!

08/13/2024

Talking with a mortgage specialist today, and he mentioned that while many potential home buyers are waiting for rates to drop, so is everyone else. His advice is to buy now before the rates drop (and competition then drives prices up by $20-30K), and then you can refinance to take advantage of said lower rates.

Makes sense to me. If you’d like to get his help, Jeff Myers’ email is [email protected], and his phone number is 913-205-6200.

04/02/2024

Quick success story of how I helped a Medicare client set the pharmacy straight on the costs of their prescriptions. Use a broker!

Why work with a Medicare broker? We not only save you time, money, and hassle, but when an insurance company, pharmacy or doctors office can’t seem to get it...

03/26/2024