Field notes from a Texas advisor.

Open enrollment · October 15, 2025 · 6 min read

Open Enrollment for the 2026 plan year runs November 1, 2025 to January 15, 2026 in Texas. Here's what changed and what to plan for.

Plan basics · October 8, 2025 · 7 min read

The plan types behind every health insurance quote — and how to figure out which one actually fits how you use care.

Life events · September 25, 2025 · 8 min read

Most Texans pay too much by defaulting to COBRA. Here's the math on alternatives — and when COBRA still wins.

Self-employed · September 15, 2025 · 7 min read

Freelancers, consultants, and small business owners — the framework for choosing coverage when you're paying out of pocket.

Plan basics · September 5, 2025 · 6 min read

Premium tax credits and cost-sharing reductions explained, with realistic Texas examples.

Life insurance · August 28, 2025 · 6 min read

When term wins, when whole life wins, and the products that don't make sense for most people.

Small business · August 20, 2025 · 9 min read

What Texas employers with 2–50 employees actually need to know about offering health coverage.

Life events · August 12, 2025 · 7 min read

Layoffs, hour reductions, retirement, divorce — every path off employer coverage and what to do next.

Texas · August 5, 2025 · 5 min read

Rating areas, county-level carrier availability, and how a 10-mile move can swap your premium and network.

Plan basics · July 28, 2025 · 6 min read

Healthshares are everywhere in Texas marketing. Here's the honest assessment.