Florida Health Insurance Advisors

Federal Judge Blocks Some Obamacare Changes

August 25, 2025|

A federal judge paused portions of the U.S. Department of Health and Human Services' planned regulatory changes to the Affordable Care Act's health insurance marketplace on Friday, just days before they were due to take effect. U.S. District Judge Brendan Hurson in Baltimore in his ruling sided with a challenge brought by the city of Chicago, the mayor and city council of Baltimore and public health advocates. They said the changes would result in more than 2 million people losing their health insurance coverage by increasing fees and imposing other barriers.

Aetna To Exit Florida Individual Market

August 18, 2025|

Aetna has announced that they will be leaving the Florida individual health insurance market effective Dec. 31st. Anyone currently covered by an Aetna individual health insurance plan will need to enroll in a new insurance plan during the upcoming open enrollment period.

Changes Coming To Obamacare

April 28, 2025|

The Trump administration has proposed several changes to Obamacare that could effect you. One is to shorten the open enrollment to two months so that it would end on Dec. 15th instead of Jan. 15th as it is now. Also, the special open enrollment for those below 150% of federal poverty limit and to end the increased subsidies that were implemented after Covid. These changes could impact millions of people who get their health insurance from the Federal marketplace

Individual Coverage Health Reimbursement Arrangement

March 13, 2025|

Employers and employees are struggling with the raising costs of group health insurance plans, a solution may be an Individual Health Reimbursement Arrangement (ICHRA). An ICHRA allows employers to pay all or part of an employee's individual health insurance with non-taxed dollars. The way it works, is that employees purchase a health insurance plan on the Federal marketplace, submits prove of coverage to their employer, and the employer reimburses the employee the agreed upon amount. There are several advantages to an ICHRA vs a group health insurance plan,  1. an ICHRA can satisfies the large employer (over 50 employees) requirement [...]

Obamacare Open Enrollment

November 1, 2024|

The Obamacare open enrollment has begun and will end on Jan. 15th. During this time, any legal resident of the USA can enroll in a health insurance plan with no health questions questions asked. New plans and higher subsidies means more choice and lower cost for individuals and families. Even if you are already covered, getting an updated quote could save you money

QSEHRA Health Reimbursement Arrangement

October 22, 2024|

A QSEHRA allows small employers to reimburse their employee's individual health insurance with tax free dollars. Employees purchase their own health insurance on healthcare.gov and then they submit the premium statement to the employer and the employer reimburses the employee for part or all of the cost. The advantage is that each employee can choose the plan that meets their own specific situation and the employer can offer their employees tax free benefits .

Medicare Advantage Plans

October 4, 2024|

Some Medicare Advantage plans are being retired in certain counties in Florida. If you are on one of the plans being retired, you will need to switch to a new plan or you will be returned to traditional Medicare after Dec. 7th.

Medicare Open Enrollment

September 30, 2024|

Medicare open enrollment begins on Oct. 15th and ends on Dec 7th. During this time Medicare recipients may enroll in a new Medicare advantage plan or make changes to their current plan. Upgrades have been made to new advantage plan such as capping the cost of prescription at $2000 annually. If you would like to see if it would make changes to your current plan, please reach out to us, we would be happy to help.    

How Term Life Insurance Can Protect Your Loved Ones

July 13, 2024|

Planning for the future is essential, especially when it comes to protecting your family from unforeseen circumstances. One of the most effective ways to ensure your loved ones' financial security is through a term life insurance policy. While many view life insurance as just another financial product, its true value lies in the peace of mind it provides. The Role of Term Life Insurance in Family Protection Term life insurance offers a death benefit that can be used to cover a variety of important expenses, helping your family navigate financial challenges during difficult times. Let's explore how term life insurance [...]

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