Resources

Short guides written in the same plain language we use on the phone, no jargon, no scare tactics. Read first, call when you're ready.

Medicare Changes for 2027: What's Different, and What to Check Before December 7

The $700 Part D deductible, the $2,400 cap, and which 2027 numbers are still only projections.

The three phases, who feels the $300 difference, and the January problem.

Three decisions inside those seven months follow you permanently, including the Medigap window.

The 20-employee rule, the COBRA trap, the HSA six-month tail, and the eight-month window.

The new Part B premium, the $2,100 drug cap, and what to check before December 7.

How to read your ANOC in ten minutes and avoid the costliest mistake in Medicare.

A simple five-minute method (DIME) with a real Florida family example.

When to sign up, what's automatic, and the deadline mistakes that cost real money.

Key dates, how subsidies changed this year, and a document checklist before you enroll.

Life insurance you can use while you're alive, qualifying events, limits, and questions to ask.

The age-65 handoff, the penalty trap of staying on the wrong one, and what to do if you're close.

No group benefits, uneven income, big responsibilities, how to protect a family on 1099 income.

Special Enrollment Periods, Medicaid, and the traps to avoid while you wait for the next window.

Every guide here started as a question a client asked us. Ask yours. English, Español, oswa Kreyòl.