Plain-English answers from our licensed agents on COBRA, Marketplace plans, self-employed coverage and small business group plans. Questions about your situation? Call (954) 736-0885 or request a quote.
Comparing Florida Blue, Ambetter and Oscar for 2027? Compare by network, drug list and total yearly cost, not brand name. What to check before you enroll.
By Michael Tolentino ·Starting with tax year 2026 there's no repayment cap on excess premium tax credit. How repayment works and how 1099 workers can avoid a surprise tax bill.
By Michael Tolentino ·Run a pest control or pool service company with 3 to 12 techs? Who counts for a group plan, family coverage, waiting periods and contribution options.
By Michael Tolentino ·Who qualifies for the Small Business Health Care Tax Credit: under 25 FTEs, the wage limit, the 50% rule, SHOP and the 2-year limit, for FL and TX firms.
By Michael Tolentino ·If your spouse has job-based coverage, your family may still get Marketplace help. How the family glitch fix works in 2027 for self-employed families.
By Michael Tolentino ·Real estate agents paid on commission can overpay for health insurance by guessing income. How 2027 Marketplace savings work and how to estimate income.
By Michael Tolentino ·How the self-employed health insurance deduction on Form 7206 works: who qualifies, the employer-plan trap, the net profit limit and the tax credit link.
By Michael Tolentino ·Comparing a QSEHRA, a CHOICE Arrangement (formerly ICHRA) and a group plan for a Florida or Texas business with under 20 employees. Rules and next steps.
By Michael Tolentino ·Texas hasn't expanded Medicaid, so income below the poverty line can mean no Marketplace savings. How to estimate income and what to do before Dec 15.
By Michael Tolentino ·Bronze Marketplace plans are now HSA-eligible. See the 2027 HSA limits and when a Silver plan may still be the better fit for self-employed people in 2027.
By Michael Tolentino ·What to have ready for a small-group health insurance quote in Florida or Texas: the employee census, who counts, and why to prep before the Nov 15 window.
By Michael Tolentino ·Run a landscaping or lawn care crew in Florida or Texas? Who counts for a group plan, seasonal and part-time workers, waiting periods and other options.
By Michael Tolentino ·Percentage or flat dollar? How small businesses in Florida and Texas set health insurance contributions, carrier minimums and the Nov 15 – Dec 15 window.
By Michael Tolentino ·From 2027, Marketplace savings are limited to citizens and eligible noncitizens. See who still qualifies in Florida and Texas and what to do before Dec 15.
By Michael Tolentino ·Small plumbing or electrical shop in Florida or Texas? Who can be on a group plan, waiting periods for apprentices, covering families and other options.
By Michael Tolentino ·What a Florida Marketplace plan costs in 2027 depends on income, age and ZIP. See the 2027 credit rules, worked examples and out-of-pocket caps.
By Michael Tolentino ·COBRA gives you 60 days to elect, 45 days for the first payment and a 30-day grace period. See every deadline, plus Florida and Texas small-employer rules.
By Michael Tolentino ·Small IT or software company in Florida or Texas with remote staff? Group plan vs. QSEHRA vs. CHOICE, who counts, waiting periods and questions to ask.
By Michael Tolentino ·Running a small fleet in Florida or Texas? Who can be on a group plan, waiting periods for new drivers, out-of-state drivers and options besides a group.
By Michael Tolentino ·Drive for Uber, Lyft or a delivery app in Florida or Texas? How to estimate swinging gig income, use 2027 tax credits, deduct premiums and pick a plan.
By Michael Tolentino ·Truck owner-operator in Florida or Texas? How to buy your own 2027 coverage, pick a plan that works on the road, use the premium deduction and save.
By Michael Tolentino ·Left a Florida employer with fewer than 20 employees? How mini-COBRA works: the 63-day written notice, up to 115% premiums, 18 months and your options.
By Michael Tolentino ·Doing nothing may renew your Marketplace plan for 2027, but prices and credits changed. What to check, the Dec 15 switch date and how to avoid a gap.
By Michael Tolentino ·Texas small business health insurance for 2–19 employees: who qualifies, 75% participation, the 90-day waiting limit, and group vs. QSEHRA vs. CHOICE.
By Michael Tolentino ·Group health insurance for construction and roofing crews under 20 in Florida and Texas: W-2 crew vs. 1099 subs, waiting periods, turnover and options.
By Michael Tolentino ·Self-employed? Learn what income the Marketplace counts, how to estimate 2027 profit, handle seasonal swings and avoid repaying your credit at tax time.
By Michael Tolentino ·Lost your job in Florida or Texas? See your health insurance options in order: the 60-day deadline, COBRA, state continuation, a spouse's plan and more.
By Michael Tolentino ·Group health insurance for 2-employee businesses in Florida and Texas: who counts, what carriers require, and the Nov 15 – Dec 15 window for small groups.
By Michael Tolentino ·COBRA can cost up to 102% of the full plan premium, not just your paycheck deduction. See 2026 examples for the South, the 150% rule and cheaper options.
By Michael Tolentino ·Group health insurance for a 3–15 person HVAC shop in Florida or Texas: who is eligible, the 90-day waiting period rule, seasonal techs and other options.
By Michael Tolentino ·In 2027, Marketplace tax credits stop at 400% of the poverty line. See the income limits, worked dollar examples and what to do if you are near the line.
By Michael Tolentino ·Leaving a W-2 job to work 1099? Here's how to keep coverage: COBRA vs. Marketplace, the 60-day deadline, estimating first-year income and tax rules.
By Michael Tolentino ·From Nov 15 to Dec 15, carriers must accept small groups that miss participation or contribution minimums, for a Jan 1 start. How it works in FL and TX.
By Michael Tolentino ·Self-employed or 1099 in Texas? Learn the 2027 deadlines, how income affects subsidies, the premium deduction and how to compare plans. Get a quote.
By Michael Tolentino ·Open Enrollment for 2027 runs Nov 1 – Jan 15 in Florida and Texas. See the Dec 15 deadline for Jan 1 coverage, what changed and how to compare plans.
By Michael Tolentino ·How Florida businesses with 2–14 employees can offer group health insurance in 2027, including the Nov 15 – Dec 15 small-group window. Get a group quote.
By Michael Tolentino ·COBRA or a Marketplace plan? Compare costs, the 60-day deadlines and how to switch in Florida for 2027, including Florida mini-COBRA. Talk to a broker.
By Michael Tolentino ·Self-employed in Florida? Learn your 2027 Open Enrollment deadlines, coverage options and what to compare before you enroll. Talk to a licensed broker.
By Michael Tolentino ·Leaving a job in Texas? Learn your COBRA deadlines, how private and Marketplace plans compare, and how to avoid a coverage gap. Talk to a licensed broker.
By Michael Tolentino ·
