Health insurance isn't one-size-fits-all. That's exactly why we're here.

That’s a big part of who I work with. When you don’t have an employer plan, there are tax-advantaged options that don’t rely on the marketplace at all—and I’ll walk you through which ones make sense for your income. You have more choices here than most people realize.

Yes. Group plans can start with a single employee, and that can unlock options and tax advantages an individual plan simply can’t offer. Let’s look at whether your business qualifies.

Often, yes. If you’ve had a qualifying life event—lost coverage, moved, got married, had a baby—you may open a Special Enrollment Period. And private or short-term plans are available year-round, which matters a lot if you just lost a job. Let’s look at your situation and see what’s open to you right now.

Marketplace plans are government-regulated and may come with income-based subsidies, which are hard to beat if you qualify. Private plans sit outside the marketplace and can offer broader provider networks or lower costs if you don’t. Which one wins depends entirely on your income, your doctors, and your health—so I run both and show you the real numbers side by side. One structural difference to watch: marketplace plans are often built on HMO networks that keep you in-network and require referrals, while many private plans use PPO networks that let you see specialists—even out of state—without one. I factor that in too.

Yes. Many of the private plans I offer include national PPO networks, which means you can see doctors without a referral—including specialists outside Florida. If keeping your current doctors or traveling for care matters to you, we’ll make the network the priority.

It depends on the type of plan, and that difference matters more than almost anything else here. ACA major-medical plans are guaranteed issue, so you can’t be turned down or charged more for a pre-existing condition. Some private plans do ask health questions and can exclude or decline a condition. I’ll tell you plainly which is which, and exactly what is and isn’t covered, before you sign anything.

Yes—either bundled with your health coverage or as standalone plans, for individuals and groups alike. Tell me what your family actually uses and I’ll help you decide whether bundling or keeping them separate is the better value.

Absolutely. Offering coverage improves satisfaction, reduces turnover, and can lower your tax liability—even for a small team. I’ll help you structure something that fits your budget and actually means something to the people you’re trying to keep.