Articles
Health insurance, explained without the sales pitch
Written for people who want to understand what they are buying. No lead-capture wall, no scare tactics — just how the mechanics actually work.
Small Business
Level-Funded Health Plans, Explained for Small Employers
Healthier groups often do well here. But a quote that only shows you the best-case monthly number is not a quote.
Read →Marketplace
Special Enrollment Periods: What Counts and What Doesn't
The clock is usually 60 days, and most people spend 40 of them researching instead of calling.
Read →Plan Basics
Network vs. Premium: Why the Cheapest Plan Is Often the Most Expensive
A plan with a beautiful deductible is worthless if your cardiologist is out of network.
Read →Small Business
Does Your Business Actually Qualify for a Group Health Plan?
Far more businesses qualify than realize it. And a lot of websites are lying to the ones that do not.
Read →Tax & Savings
HSA vs. FSA vs. HRA: Which Account Actually Helps You
One of these is an asset you own forever. One disappears at year end. One is not yours at all.
Read →Plan Basics
How to Read a Summary of Benefits and Coverage in Ten Minutes
Every plan must produce one, it is written in plain language, and almost nobody opens it before enrolling.
Read →Family Coverage
Embedded vs. Aggregate Family Deductibles: The Difference Nobody Explains
Two plans can list the same family deductible and pay out thousands of dollars apart. This is the mechanic behind it.
Read →Plan Basics
HMO, PPO, EPO and POS: What the Letters Actually Cost You
Four acronyms, one underlying question: how much freedom are you buying, and what are you paying for it?
Read →Marketplace
What Changed for Health Insurance Shoppers in 2026
If you have not re-run your numbers since January, you may be budgeting off a market that no longer exists.
Read →Small Business
Individual vs. Group Health Insurance: Which One Actually Fits a Small Business?
Both are real insurance. They run on different chassis, and the difference shows up in your bank account and at the front desk of your doctor's office.
Read →
Joshua Jennings
Independent Health Insurance Agent & Broker · Licensed since 2018
Josh works with individuals, families and small employers across Florida, Texas and Pennsylvania. Independent appointments with Cigna, Aetna, Blue Cross Blue Shield and UnitedHealthcare mean the recommendation follows your doctors, not one carrier’s contract.
Florida license W474699 — class 0215 — Life Including Variable Annuity & Health, issued 03/19/2018. Non-resident licensed in Texas and Pennsylvania. Verify