Plain-English guides
Insurance in Texas, explained without the jargon
The questions clients actually ask me — enrollment windows, what a deductible really costs you, which plan fits which situation. No sales pitch, just the mechanics.
Medicare
The seven months that decide what Medicare costs you for life
Miss your enrollment window and Medicare does not fine you once — it raises your premium permanently. The calendar below, plus the two situations where the usual advice is wrong.
Read MedicareAdvantage or Medigap: the Medicare decision that is hard to undo
Both routes are legitimate and both are chosen by sensible people. What almost nobody explains is that switching later is not symmetrical — one direction is guaranteed, the other may not be.
ReadFree consultation
Get a free plan comparison
Leave your contact and I'll get back to you the same day. No spam, no call centers — your number stays with me only.