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Premium tax credits now end completely above $62,600 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 about 26%, 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 →Some sites say December 15. Others say January 15. Both are citing something real. Here's what's actually settled, what isn't, and the one date 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.
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