Editorial Standards
The guides on this site exist to help you make a decision about health coverage. Here's how they're put together, and what they can and can't do for you.
Written and reviewed by a licensed broker
Every guide is written or reviewed by Frank Caballero, a health insurance broker licensed in 31 states (NPN 21032307). The examples come from the questions real clients ask: the self-employed, families, people between jobs and early retirees.
Where the facts come from
Rules about the Marketplace, enrollment periods, tax credits and coverage requirements are checked against primary sources: HealthCare.gov and the Centers for Medicare & Medicaid Services, the IRS for tax questions, and state insurance departments for state rules. When a rule changes, such as the subsidy changes for 2027, the affected guides are updated.
Dated and kept current
Each guide shows the date it was last updated. Health insurance rules shift every year, so guides are reviewed ahead of each open enrollment and whenever a law or regulation changes something readers rely on.
Plain language on purpose
Insurance terms are explained the first time they come up, and the glossary covers the rest. If a guide leaves you more confused than when you started, that's on us, and we'd like to hear about it.
What these guides are not
- They're not tax or legal advice. For tax questions, such as deducting premiums, talk with a CPA or tax preparer.
- They don't promise approval, prices or benefits. Private plans depend on your health answers, and benefits vary by plan.
- They don't replace the plan documents. Before you buy, read the benefit summary for the exact plan you're considering, and ask me anything that isn't clear.
Corrections
If you spot something wrong or out of date, email fcinsurancehealthadvisors@gmail.com with the page and what needs fixing. Confirmed errors are corrected promptly and the update date changes with them.
Related: how I'm paid and about Frank.
Questions? Ask me directly.
No cost and no pressure. I'll give you a straight answer, by phone or video, in English or Spanish.