When Can I Enroll Outside of Open Enrollment?
When Can I Enroll Outside of Open Enrollment? Open Enrollment is the annual period when anyone can enroll in or change their health insurance through the Marketplace. However, many people experience unexpected life changes and need coverage outside of those official dates. This leads to an important question: when can I enroll outside of Open […]
Is Obamacare Bad?
Is Obamacare bad? A question that deserves data, not opinions Every year, the same phrase comes up again and again: “Obamacare is bad.”You hear it in conversations, on social media, and in headlines—often without context or real numbers. If we want to evaluate any healthcare system responsibly, the only way to do it is by […]
The Truth About Health Insurance
If you’ve just arrived in the United States, you’ve probably already heard a phrase that immigrants repeat all the time: “Here, getting sick is a luxury.” And unfortunately, it’s not an exaggeration. The healthcare system in the U.S. is one of the most advanced in the world, but also one of the most expensive and […]
2025 Health Insurance Enrollment Period
The 2025 health insurance enrollment period in the United States has officially begun, and with it comes a key opportunity for millions of people: reviewing, renewing or changing their plan before it’s too late. This year, the enrollment window runs from November 1 to December 15, 2025, and it’s important to take action now because […]
Hospital Indemnity Insurance
Hospital Indemnity Insurance: 7 Benefits That Could Save Your Finances A type of protection few people know about, but many could need. When people think about health insurance, they usually imagine general coverage: doctor visits, emergencies, prescriptions… But there’s a lesser-known type of policy that makes a huge difference when things get complicated: hospital indemnity […]
How to Build an Emergency Fund from Scratch
Feel like saving money is impossible because your expenses or debt keep piling up?I get it—I’ve been there.But here’s a powerful truth I want to share with you: yes, it’s possible to build an emergency fund, even if your finances are tight. You don’t need a lot of money or to “wait until there’s extra.”You […]
5 Ways to Protect Your Business and Your Financial Future
Becoming an entrepreneur is one of the boldest and most exciting decisions you can make.But without solid planning, it’s also one of the riskiest. I know this firsthand, I’ve spent over 12 years helping business owners and entrepreneurs just like you.And one thing I always say is: your business doesn’t just need to grow, it […]
New Health Insurance Rules for 2025
Do you have a marketplace plan with government assistance? Here are the new 2025 rules you need to know. Many people don’t realize it, but the rules have changed for 2025.If you, like many of the clients I work with, have health insurance through the marketplace with financial help from the government (what some call […]
Will Health Insurance Premiums Go Up?
In recent weeks, many people have been hearing about the Big Beautiful Bill and are wondering if their health insurance is going to change or get more expensive. So today, I want to break it down for you: What Is the Big Beautiful Bill? The Big Beautiful Bill is a proposed piece of legislation aimed […]
Why Do You Need Health Coverage?
In the United States, and especially in cities like Miami with a large Latino community, having health insurance is not a luxury but a necessity. However, many people still doubt its importance or think it’s an unnecessary expense. Here we explain the key benefits of having health insurance and why it’s essential to protect your […]