Florida Health Insurance Advisors

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 [...]

Level Funded Health Plans

June 9, 2024|

Level funded health plans are partially self funded plans where the monthly premiums are used to pay claims. If the claims exceed the premium, the insurance will kick in and pay the rest of the claims. These plans work just like fully insured plans but they can save a business up to 35% . And, at the end of the year if there are premium dollars left in the account, half of the leftover amount is refunded to the business in the form of a credit. although these plans do not work for every group, it is worth exploring as [...]

How to Calculate How Much Term Life Insurance You Really Need

March 10, 2024|

When it comes to securing your family’s financial future, choosing the right amount of term life insurance is one of the most important decisions you'll make. Too little coverage might leave your loved ones in a vulnerable financial position, while too much coverage could mean paying for more than you need. So, how do you calculate the appropriate amount of term life insurance to protect your family? In this post, we'll break down key factors to consider when determining how much term life insurance is right for you, helping you make an informed decision that aligns with your budget and [...]

Obamacare Open Enrollment

November 6, 2023|

The annual open enrollment for Obamacare has begun and will end on Jan. 15th. During this time, any legal U.S. resident can sign up for a new health insurance plan with no questions asked and may receive tax credits to help pay the monthly premium. because of recent changes in the law, almost all individuals or families will receive the credits.

Medicare Open Enrollment

October 18, 2023|

The annual open enrollment for Medicare began on Dec. 15th and will end on Dec. 7th. During this time anyone on Medicare can enroll in a Medicare insurance plan or make changes to their current plan. Medicare plan have zero or very low premiums and have very strong benefits.

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