As a licensed insurance advisor in California, I’m often asked, “What is employer-sponsored health insurance and how does it work?” Simply put, it’s a group health plan offered by employers…
Health insurance is a cornerstone of financial security and access to healthcare for millions of Americans. Understanding the current Health insurance trends 2025 and what the future holds is essential…
Health insurance is a critical part of financial planning, but navigating the various plan options can be overwhelming. One type of plan that has gained significant traction in recent years…
Understanding health insurance premiums is essential for making informed decisions about your healthcare coverage. Health insurance can be complex, with terms like premiums, deductibles, and out-of-pocket costs often causing confusion.…
As a licensed insurance advisor based in California, I understand how challenging it can be to navigate self-employed health insurance. Without employer-sponsored coverage, freelancers and small business owners must explore…
As a licensed insurance advisor in California, I'm often asked about Medicare vs Medicaid--two government-sponsored healthcare programs that serve different needs. Understanding their key differences is essential for making informed…
The Affordable Care Act (ACA) fundamentally reshaped U.S. health insurance, and as a licensed advisor in California, I've witnessed it expand coverage and protect countless families from crippling medical costs.…
The health insurance marketplace can feel like a maze of options, terminology, and costs--especially if you're diving in for the first time. As a licensed insurance advisor, I understand its…
As a licensed insurance advisor in California, I know firsthand how confusing and overwhelming it can be to navigate our healthcare system--especially when you're trying to figure out the pros…
Hello, and welcome to my in-depth guide on understanding health insurance basics in the United States. My name is Ryan Hearn, and i'm a licensed insurance advisor in California since…