Health Insurance, by Situation
Find the guide that matches where you are right now. Each one explains your real options, the trade-offs, and what I would do in your spot. No prices, because an honest price needs your details, and no fee to get one.
- Coverage gap
Health Insurance Between Jobs
Lost or leaving employer coverage? Compare COBRA, a marketplace special enrollment, and private plans you can start any month. Licensed Tampa broker, 31+ states, no fee.
Read the guide - COBRA
COBRA Alternatives That Cost Less
COBRA keeps your old plan but you pay the full premium. See the alternatives: marketplace special enrollment, private PPO plans, and short-term bridges. Licensed broker, no fee.
Read the guide - Aging off
Turning 26: Getting Your Own Health Insurance
Aging off a parent's health plan at 26? When coverage ends, your 60-day window, and how healthy 26-year-olds get strong coverage at a fair price. Licensed broker, no fee.
Read the guide - 1099 professionals
Health Insurance for Realtors
Real estate agents are 1099 and get no company plan. How commission income affects subsidies, why many agents choose private PPO plans, the tax deduction, and year-round enrollment.
Read the guide - Owner-operators
Health Insurance for Truck Drivers and Owner-Operators
Owner-operators and lease drivers get no company plan. How to find coverage with a nationwide PPO network, handle settlement income, and keep the family at home covered. Licensed in 31+ states.
Read the guide - Trades
Health Insurance for Contractors and the Skilled Trades
Self-employed electricians, plumbers, HVAC techs, builders and 1099 crews: how to get real health coverage, handle project-based income, and why a health plan is not workers' comp.
Read the guide - Business owners
Health Insurance for Small Business, LLC and S-Corp Owners
How a business owner gets health coverage: sole proprietor vs S-corp premium handling, individual vs group plans, covering yourself vs covering a team. Tampa broker, 31+ states.
Read the guide - Before 65
Health Insurance for Early Retirees Before Medicare
Retiring before 65? How to cover the gap until Medicare: COBRA, marketplace subsidies based on retirement income, and private plans. Licensed broker, 31+ states, no fee.
Read the guide - Families
Family Health Insurance That Fits a Real Budget
Covering a spouse and kids without an employer plan. Marketplace vs private family plans, when to split the family across two plans, maternity, and pediatric dental and vision.
Read the guide - Travel nurses
Health Insurance for Travel Nurses and 1099 Nurses
Agency plans end when the contract ends. How travel and per diem nurses stay covered between assignments with a plan that works in every state. Licensed broker, 31+ states.
Read the guide - No subsidy
Health Insurance When You Earn Too Much for a Subsidy
Over the subsidy limit and staring at full-price marketplace premiums? How medically underwritten private PPO plans price on health instead of income, and who they fit.
Read the guide - Pricing explained
What Actually Drives the Cost of Private Health Insurance
No sticker prices here, just the six things that move a private health insurance premium up or down: age, health, zip code, deductible, network and household. Get a real quote in 15 minutes.
Read the guide - Open enrollment
Open Enrollment for 2027 Coverage
Open enrollment for 2027 marketplace coverage opens November 1, 2026. Key deadlines, what changed after the enhanced subsidies expired, and why private plans do not need a window.
Read the guide - Tampa, FL
Your Tampa Health Insurance Broker
Local, licensed health insurance broker on E Hillsborough Ave in Tampa. Private PPO and marketplace plans for Hillsborough, Pinellas, Pasco and Polk families and self-employed. English and Spanish. No fee.
Read the guide