Library
Plain answers to the questions I get most.
No fluff and nothing written to rank for a keyword. These are the three conversations I have over and over with self-employed people in Florida, written down so you can read them at 11pm without booking anything.
Health · Florida
Private Health Insurance in Florida: Is It Worth It Over an ACA Plan?
The honest comparison. When the marketplace genuinely wins, when it does not, and the one number that decides it for most self-employed people.
Read it →ACA · 2026
The 2026 Subsidy Cliff: What Changed, and Who It Hits
The enhanced subsidies expired. There is a hard income cutoff again, and one dollar over it costs real money. Here are the actual numbers for 2026.
Read it →Life · Living benefits
Living Benefits: The Life Insurance You Can Use Before You Die
What a living benefits rider actually does, the 15 conditions that can trigger it, and the catch nobody mentions when they sell it to you.
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