No jargon, no agenda. Just honest guidance from an independent broker who's seen it all.
For 2027 coverage, premium tax credits end completely above $63,840 for a single person. Not reduced — gone. Here's what that means if you're self-employed, and the options that still exist on either side of the line.
Read article →Carriers raised rates sharply, and separately the enhanced subsidies expired. Almost every explanation covers one and ignores the other — and where you live mattered more than you'd think.
Read article →Healthcare.gov says November 1 through January 15, with December 15 for coverage starting January 1. Here's why other dates are still circulating, and the one that makes the question irrelevant.
Read article →Most people who leave a job think they're stuck choosing between expensive COBRA and confusing Marketplace plans. There's a third option most people never hear about — and it's usually the best one.
Read article →It's the most common question Cavin gets on a first call. The short answer is no — but understanding why reveals something important about how health insurance actually works.
Read article →The internet will tell you ACA is always cheaper. That's not always true — especially if you're self-employed and earning a solid income. Here's how to actually compare them.
Read article →Book a free 20-minute call and get a straight answer for your specific situation.
Book a Free CallLast reviewed October 6, 2026 by Cavin Rohr, licensed insurance broker — NPN 21388659.