Life Insurance, Made Simple – Texas & Florida💡

 

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💰 Builds wealth you can use later

✅ Protects your family
✅ Builds a legacy
✅ I speak Spanish

Let’s find the perfect plan for you.

 

Saving with the ACA When Your Spouse's Employer Plan is Too Expensive

 

Many families face the tough choice of sticking with an employer-sponsored health insurance plan that's eating into the budget or exploring alternatives.

 

Under the Affordable Care Act (ACA), if your spouse's job-based coverage is deemed "unaffordable," you can turn to the Health Insurance Marketplace for more budget-friendly options.

 

This often means significant savings through premium tax credits and other subsidies, especially for families with moderate incomes.

 

Here's how it works in 2025:

 

 1. Understanding Affordability Thresholds

   - The ACA defines an employer plan as "unaffordable" if the  premium exceeds 10% of your household income for the year (this threshold is adjusted annually for inflation

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   - Importantly, for *family* coverage, affordability is based on the *employee-only* premium—not the full family cost. If that single premium is over the threshold, the entire family plan is considered unaffordable, opening the door to Marketplace subsidies.

   - Example: For a family of four earning $80,000 annually, the affordability cap would be about $7,216/year ($601/month) for employee-only coverage. If it's higher, you're eligible for relief.

 

 2. Accessing Marketplace Savings
   - Premium Tax

 

Credits:

 

These reduce your monthly premium directly. Based on income (100-400% of the federal poverty level, or roughly $30,000-$120,000 for a family of four in 2025), credits can cover 50-100% of the premium for a silver plan, potentially dropping costs to $0 for lower-income families.

   - Cost-Sharing Reductions:

 

If your income is 100-250% of poverty ($30,000-$75,000 for a family of four), these lower deductibles, copays, and out-of-pocket maxes on silver plans—saving thousands annually.

   - Families often save 20-50% or more compared to unsubsidized employer plans. For instance, a family paying $1,200/month for employer family coverage might drop to $400/month (or less) on a subsidized Marketplace plan.

 

 3. Steps to Switch and Save

 

If you are paying too much for the family plan under your spouse employment, you are eligiible to special enroll today. The quote takes 30 seconds, and enrollment less than 7 minutes.
  

To see your potential savings, check a quote on the button below.

 

NON-ACA HEALTH HELP!

 

 

People think they can wait for open enrollment.

Illness doesn’t.

 

These health plans don’t care about dates, seasons, or deadlines. They’re available now, when real life hits.

 

No coverage today means you’re gambling that nothing goes wrong tomorrow.

That’s a bad bet.

This portfolio gives clients:

• 24/7 virtual doctor access through Teladoc
• Cash paid directly to them if they’re hospitalized
• Guaranteed issue hospital indemnity options
• Help with deductibles when the system shrugs and says “good luck”

 

Medical bills don’t ask permission.

They just show up.

Don’t wait for an enrollment window to save your clients from financial freefall.

Help them lock something in before reality does.

 

LAID-OFF 

HELP!

 

 

Laid off? Here’s how I help.

 

• Health insurance in TX, FL & OH
ACA, Special Enrollment, nationwide options. No COBRA panic.

• Lower monthly debt in all states
Breathing room while you rebuild.

• Unused 401(k) rollovers
Don’t let old job money sit or get wrecked by taxes.

• New income path

Help getting licensed to become an insurance broker in multiple states.

 

Getting laid off isn’t the end.
Doing nothing after is the real risk.

 

Message me.
Let’s stabilize first, then move forward.