As someone who’s spent decades helping Texans navigate health insurance, I’ve seen firsthand how the rise in gig and contract work is reshaping access to coverage. More Americans today are working as freelancers, contractors, or part-timers—roles that often lack...
One aspect of health insurance that often surprises people is just how frequently prior authorization denials are reversed when appealed. Statistics show that about half of these denials get overturned, and in some cases, certain plans reverse up to 90% of appeals....
One of the biggest questions I get is about cashless health insurance—what is it, and why does it matter? In a nutshell, cashless health insurance allows you to receive hospital treatment without paying anything upfront. Instead, your insurer settles the bill directly...
Every so often, the health insurance landscape throws us a curveball—and this time, it's a rare bit of good news for some. Nearly 1 million Americans who purchased Obamacare plans without premium tax credits are set to receive $500 refunds. These refunds come...
A significant change is on the horizon for Medicaid eligibility and home equity. Starting January 1, 2028, the federal home-equity ceiling for principal homes on non-agricultural lots will shift from $1.13 million to a firm $1 million cap. As someone who’s spent...
As someone who’s spent decades helping Texans make sense of health insurance, I know how crucial it is to spot fraud before it impacts your care or your wallet. Fraud in healthcare isn’t just about billing for services that never happened or using someone else’s...
There’s a major shift coming to Medicaid coverage that anyone relying on this program should know about. Beginning January 1, 2027, adults in Medicaid expansion will need to document at least 80 hours per month of work, school, volunteering, or training to maintain...
Cancer’s financial burden—sometimes called 'financial toxicity'—is one of the hardest challenges families face, and it’s an area I’ve helped Texans navigate for decades. Careful financial planning before starting treatment can make a real difference: it...
Financial surprises happen to all of us, but you can take steps today to soften their impact. From my years in health insurance—and my background as an engineer—I've learned the value of building a solid foundation, both in coverage and in finances. Start by...
As someone who’s spent decades helping Texans navigate the health insurance landscape, I keep a close eye on where our industry is headed. Recent reports show the healthcare insurance broker market is projected to reach $98.82 billion by 2030, with a robust 9.0%...
