Ask me about Health Insurance

04/08/2026

01/08/2026

ACA Open enrollment is open until 1/15 for a 2/1/26 eff date. We’re available and ready to close out 2025😎

12/27/2025

Lorrie & I recently attended a 4th qtr kick off conference with one of the carriers we represent . One of the speakers stated that 80% of thier Claims dollars were attributed to prescriptions!

11/29/2025

We are writing & helping people with OFF marketplace exchange health plans.

Please feel free to reach out

11/19/2025

It's OPEN ENROLLMENT and to us and most agents this is a grinding time of 14hr days and working weekends. We work to solve Medical Insurance problems, searching through plans to make a recommendation and trying to serve those who we insure best. All while processing enrollments.

Yesterday was my hardest day then this morning "out of the blue" a great friend and fellow agent sent me this scripture. “Let us not grow weary in doing good, for in due season we will reap, if we do not give up.”

I am thankful to be of service in this challenging industry. Please feel free to reach out for help.

11/02/2025

Are you losing your Aetna CVS coverage effective January 1st?

We can help!

10/21/2025

The majority of Health Insurance Claims $’s are Scripts!

09/23/2025

THIS will be a huge negative to Middle & lower class working americans! Unless Congress makes major changes by 11/1/25 to extend Bidens "2021 American Rescue Act" federal funding for Marketplace Medical Insurance will revert back to previously established ACA funding for 2026.

Some familys will lose funding while others will lose some. The end result will be a huge increase to the average consumer!

Example: 60 yr old couple earning $110k per year.
$126,900/yr x 8.50% ÷ 12 months = $898.88 per month
$126,900/yr (2026 w/ NO FUNDING) = $2,222.64 per month!

Family of Four earning $64k per year.
$64,300/yr x 2.00% ÷ 12 months = $107.17 per month
$64,300/yr x 6.52% ÷ 12 months(2026 w/ lower FUNDING) = $349.36 per month!

We have Alterative Plans! Stay Tuned for Open Enrollment!

Individual earning $21k per year.
$21,597/yr x 0.00% ÷ 12 months = $0 per month
$21,597/yr x 3.10% ÷ 12 months =(2026 w/ lower FUNDING) $55.79 per month!

Big changes are coming to the ACA Marketplace—and it could affect your health insurance in a big way.✔️ What’s ending?The enhanced subsidies that helped lowe...

09/17/2025

https://youtu.be/YQ_yeP0E-0k?si=GMhKwjYIGvsQM8az THIS is incredibly concerning for the average consumer! When President Biden radically increased ACA Marketplace funding for individual medical coverage in 2021 w/ the American Rescue Act it made coverage affordable for millions of middle-class families. This funding is set to expire on 1/1/25.

Now there is finally some House & Senate action going on to extend the funding but Republicans and Democrats will have to agree, vote and pass legislation to extend the funding!

How will this hit you the consumer ?!?!?
Example: Bob & Jane make $120k per year and receive $900 per month in funding for their $1,600 per month premium. As of 1/1 with NO funding Bob & Jane will now pay $1,600 vs the $700 they were paying!

Joe makes $19k per year and has $600 per month in funding which consumes all his cost leaving him with “$0” cost. As of 1/1 with lower funding Joe will now pay appx $60.00 per month.

The Federal Funding matters to the consumer and the lack of it could be a financial disaster.

The Affordable Care Act, also known as Obamacare, is on track to become unaffordable for millions of Floridians who rely on the health insurance coverage. Fo...

09/13/2025

This year’s open enrollment will be like none other!

Anyone in the Marketplace must submit an updated app and quite possibly have to confirm income.

Federal funding tax credit subsidies have yet to be determined. This has Lorrie and I along with every other agent involved concerned so stay tuned.

Florida residence will or have been notified that Aetna CVS is completely pulling out of the Marketplace. This will leave us to mainly Florida, Blue Cross and Blue Shield and Ambetter health and most Locac Gulf Coast markets.

We expect rates to be released along with the funding late October and will diligently be running quotes .