Omar Mendoza, your insurance advisor
Blog

Health insurance, explained clearly

No fine print, no jargon. What you need to know to decide calmly.

Obamacare 2027: what's at stake right now

The enhanced subsidies have already expired. The House passed an extension the Senate hasn't voted on, and the enrollment calendar is in the courts. What it means for what you'll pay.

5 changes in the new law that affect your health insurance

The enhanced subsidies expired and the enrollment calendar is being fought over in court. Exactly what changed, when, and what to do before November.

Can you enroll outside the deadline?

Open enrollment isn't the only door. These are the cases that open one for you.

How to calculate your income for the Marketplace

It's the number most people get wrong, and as of this year getting it wrong costs far more.

HMO, PPO or EPO: which one suits you

Three letters that decide whether your longtime doctor is in or out.

What documents you need to enroll

Have these ready and enrollment gets done in a single sitting.

State guides

Health insurance in Georgia

Georgia no longer uses HealthCare.gov: it has its own marketplace, Georgia Access. How to enroll, which carriers are available, and how much premiums rise for 2027.

Health insurance in Florida

The state with the most enrollees in the country: 4.5 million. Over 95% get help and a third pay less than $10 a month. How to take advantage of it.