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Insurance guides

Clear answers to the questions our licensed agents hear most, with dates, income limits and links to official sources.

Health insurance (ACA / Obamacare)

ACA Open Enrollment 2027: Dates & Deadlines

Open enrollment for 2027 Marketplace plans runs November 1, 2026 to January 15, 2027. Key deadlines and what changed.

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Special Enrollment Period: Get Covered After Losing a Job

Qualifying life events, the 60-day window, and the documents you need to enroll outside open enrollment.

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Obamacare in Florida: Requirements, Income Limits & Cost

Who qualifies for a Florida Marketplace plan, 2027 income limits for tax credits, and what affects your premium.

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Medicare

Medicare Annual Enrollment Period 2026 (for 2027 Plans)

The Medicare AEP runs October 15 to December 7, 2026. What you can change and what to review first.

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Medigap vs Medicare Advantage: Which Is Better?

A side-by-side comparison of costs, doctor choice, extra benefits and switching rules.

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Turning 65: Medicare Sign-Up Checklist

Your 7-month Initial Enrollment Period, when to sign up for Parts A and B, and how to avoid late penalties.

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Life insurance

Term vs Whole Life Insurance: Pros, Cons & Which to Choose

How term and whole life differ in cost, length of coverage and cash value, and who each one fits.

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