Resources

Insurance Explained. No Jargon.

Clear, practical guides to help you understand your options and make confident decisions about your coverage.

The Sunshine Skyway Bridge spanning lower Tampa Bay, seen from the St. Petersburg pier

ACA & Open Enrollment

ACA vs. Private Health Insurance: What's the Difference and Which Is Right for You?

Two paths to coverage, very different outcomes. Here's how to know which one fits your life.

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Coverage guides by profession: 30 lines of work, each with its own guide, tools, and downloads.

Find your profession →Free tools & downloads →

St. Petersburg, Florida — City in Florida, United States

Local Guides

Health Insurance in Pinellas County: A Local Guide to ACA, Private Plans, COBRA and Coverage Between Jobs

A plain-English guide to health coverage in Pinellas County — how Marketplace plans, subsidies, private coverage and COBRA actually work, and how to check your doctors before you enroll.

11 min readJuly 24, 2026

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Tampa, Florida — City in Florida, United States

Health Insurance Basics

Lost Job-Based Health Insurance in Tampa Bay? What to Do Next

Losing employer coverage opens a limited enrollment window. Here is how the timing works, what your options are, and what to do first.

8 min readJuly 24, 2026

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Clearwater, Florida — City in Florida, United States

Self-Employed & Small Business

How Self-Employed Tampa Bay Residents Estimate Income for ACA Subsidies

The marketplace asks for a projection, not a tax return. Here is how to build one that holds up — and what happens if you get it wrong.

9 min readJuly 24, 2026

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Dunedin, Florida — City in Florida, United States

Local Guides

How to Check Whether Your Pinellas County Doctors and Hospitals Are In-Network

The carrier name on your card is not the answer. Here is the exact process for verifying your providers before you enroll.

9 min readJuly 24, 2026

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Tarpon Springs, Florida — City in Florida, United States

Local Guides

Moving to Pinellas County? How Relocation Can Affect Your Health Insurance

A permanent move can reset your health insurance options entirely. Here is what changes when you land in Pinellas — and what to check first.

8 min readJuly 24, 2026

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Largo, Florida — City in Florida, United States

Self-Employed & Small Business

Health Insurance Options for Contractors, Realtors and 1099 Workers in Tampa Bay

No employer plan, uneven income, and a territory that spans three counties. Here are the coverage paths actually worth comparing.

9 min readJuly 24, 2026

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Palm Harbor, Florida — Census-designated place in Florida, United States

Local Guides

A Palm Harbor Guide to Buying Health Insurance Without Employer Coverage

I live and work in Palm Harbor. Here is how coverage actually works here when you do not have a plan through a job.

9 min readJuly 24, 2026

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The St. Pete Pier reaching out into Tampa Bay in downtown St. Petersburg, Florida

Health Insurance Basics

How Much Does Health Insurance Cost Without Employer Coverage? (2025 Guide)

Real numbers, real context. What you'll actually pay for individual coverage in 2025.

6 min readJanuary 22, 2025

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The beach at Fort De Soto Park in Tierra Verde, Pinellas County, Florida

Supplemental

What Is Supplemental Insurance — And Do You Actually Need It?

Your main plan covers the basics. Supplemental covers the expensive surprises.

5 min readJanuary 29, 2025

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The Fred Marquis Pinellas Trail running through Pinellas County, Florida

Self-Employed & Small Business

Self-Employed? Here's How to Get Health Insurance That Actually Works

No employer benefits doesn't mean no good options. Here's the full playbook.

6 min readFebruary 5, 2025

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Clearwater Beach on the Gulf coast of Pinellas County, Florida

ACA & Open Enrollment

Open Enrollment 2025–2026: Dates, Deadlines, and What You Need to Know

Miss the window and you're stuck. Here's everything you need to enroll on time.

5 min readFebruary 12, 2025

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Centro Ybor in the historic Ybor City district of Tampa, Florida

Self-Employed & Small Business

Small Business Health Insurance in Florida: The Complete 2026 Guide

Group plans, ICHRAs, level-funded arrangements, and individual strategies — how Florida small-business owners actually compare them.

8 min readMarch 5, 2026

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Bayshore Boulevard looking north along Hillsborough Bay in Tampa, Florida

Health Insurance Basics

PPO vs. HMO: Which Health Plan Type Is Right for You in 2026?

Freedom vs. savings — here's how PPO and HMO plans actually work and which one fits your life.

6 min readMarch 10, 2026

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Honeymoon Island State Park off Dunedin in Pinellas County, Florida

Health Insurance Basics

Lost Your Job? Here's How to Get Health Insurance Right Now

You have 60 days and more options than you think. Here's your step-by-step action plan.

6 min readMarch 15, 2026

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Sponge fishing boats at the Tarpon Springs sponge docks in Pinellas County, Florida

Self-Employed & Small Business

Health Insurance for Gig Workers and 1099 Contractors: Your 2026 Guide

No employer benefits? No problem. Here's how to get covered when you're your own boss.

7 min readMarch 20, 2026

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Free Download: The Insurance Buyer's Checklist

Before you pick a plan, know exactly what to look for. This checklist covers the key questions most people forget to ask — so you can choose with confidence.