Straight-talk advice on ACA, Medicare, self-employed and family coverage. Updated weekly by our licensed agents in Greenacres, FL.
IRMAA is the income surcharge Medicare adds to Part B and Part D when your MAGI crosses set thresholds. For 2026 it kicks in above $109K single / $218K joint (from your 2024 return) and can push Part B to $689.90/month. The first 2027 bracket is essentially locked at $112K / $224K based on your 2025 return. Here are the confirmed 2026 tables, projected 2027 tiers, why IRMAA hits Palm Beach County retirees so often (Roth conversions, home sales, pension buyouts), and how to appeal with Social Security form SSA-44 if you just retired.
Read the full article →An ICHRA lets a Florida business of any size give employees tax-free money to buy their own health insurance — no group plan required. The 2027 ACA affordability threshold rose to 10.22%, and with the enhanced subsidies gone the math has shifted. Here's how ICHRAs work in Palm Beach County, when they beat a group plan, ICHRA vs QSEHRA, three real local scenarios, the 6-week setup timeline, and the traps to avoid.
Read the full article →Enhanced ACA subsidies expired December 31, 2025. For the first time since 2021, the 400% federal poverty level cliff is back for 2027 coverage, and KFF data shows a median 15% premium increase across ACA carriers. Here's what changed, projected 2027 FPL thresholds, and the exact 60-day prep list I'm walking every Palm Beach County client through before November 1.
Read the full article →Part D deductible jumps to $700, the annual out-of-pocket cap rises to $2,400, and the base beneficiary premium goes to $41.33 in 2027. Plus quiet ANOC formulary shifts, network changes at Palm Beach County hospitals, and looser marketing rules — here's the exact review checklist I use with every client before AEP (October 15 – December 7, 2026).
Read the full article →The 60-day window most Floridians miss, why COBRA is almost always the wrong first move, and how to keep your Palm Beach County doctors without paying employer-plan prices. Includes a real cost comparison — most families save $3,000–$9,000 over six months by choosing Marketplace over COBRA.
Read the full article →The #1 mistake I see every Open Enrollment: someone picks a cheap plan without checking, then finds out in February their doctor isn't covered. Here's the exact 4-step process I walk clients through for Florida Blue, Aetna, UnitedHealthcare, Humana, and Medicare plans — in about 10 minutes.
Read the full article →August is the smartest month to fix a broken family health plan in Florida. Pediatrician networks, sports physicals, Florida KidCare eligibility, and the SEP triggers most parents miss — a Palm Beach County agent's checklist for back-to-school.
Read the full article →Atlantic hurricane season peaks August–October. Here's how storms affect your ACA plan, prescription refills, network access, and enrollment deadlines — plus what to do before one hits Palm Beach County.
Read the full article →Enhanced ACA subsidies are still in place for 2027 enrollment. Here's how to estimate what you'll actually pay before Open Enrollment opens Nov 1, 2026 — with a working calculator and Florida-specific benchmark plan pricing.
Read the full article →The month-by-month Medicare countdown for Floridians turning 65. Enrollment timing, IRMAA planning, Advantage vs. Supplement decisions, and Part D pitfalls to avoid.
Read the full article →How self-employed Floridians can project income accurately for ACA subsidies, deduct premiums on Schedule 1, and avoid the surprise tax repayment trap.
Read the full article →The window to sign up for 2027 ACA coverage in Florida is now only 45 days — ending December 15, 2026. Here's what changed, who it hits hardest, and how to prepare starting today.
Read the full article →