Guides
Plain English, no fine print.
Short guides to the moments that matter most. Questions left over? Emily answers them for free.
2027 prices
How much is health insurance in Florida?
Real 2026–2027 numbers, who pays full price, and when a private PPO costs less.
Read the guide →Gig & contract work
Health insurance for 1099 workers
Options for drivers, truckers, nurses and agents, plus the self-employed tax deduction.
Read the guide →Know before you buy
Is a health insurance broker free?
How brokers are paid in Florida and how to check an agent's license.
Read the guide →Plan types
PPO vs HMO in Florida
Networks, referrals, costs and how to keep your doctor.
Read the guide →Nov 1 – Jan 15
Open Enrollment guide
Key dates for 2027 coverage and what to have ready.
Read the guide →60-day window
Losing employer coverage
COBRA, ACA plans and private options compared.
Read the guide →Until Medicare
Retiring before 65
How to bridge the gap between work coverage and Medicare.
Read the guide →Know the difference
Private plans vs ACA
Networks, deductibles, pre-existing conditions and real cost.
Read the guide →Free plan review
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