Summer Insurance Shock: Are Teachers Paying COBRA-Level Premiums?
Many teachers assume their "district health insurance" is a great deal — but family premiums often rival COBRA costs. For healthy families, moving dependents to a private PPO while keeping the teacher on the district plan can save $500–800/month
Memorial Day 2026 — A Note From RKA Insurance Advisors
A Memorial Day message from Robert Adams and the RKA Insurance Advisors team. Today isn't about insurance. It's about the men and women who didn't come home — and the families who still feel the absence. We remember.
Kentucky Derby 2026 — The Health Insurance Problem Horse Country Doesn't Talk About
Kentucky's horse industry employs 60,000+ people — jockeys, trainers, grooms, exercise riders, equine vets — and almost all of them are 1099. Almost none have group health insurance. Here's why ACA fails this workforce in 2026, and what private PPO options actually look like for healthy self-employed Kentucky workers.
How War and Economic Uncertainty Affect Your Health Insurance in 2026
ACA premiums are already up 18-20% in 2026 — the largest increase since 2018. The Iran conflict is accelerating inflation across housing, gas, and groceries. Here's what that means for your health coverage and the one option that's insulated from all of it.
Just Graduated? Here's What Happens to Your Health Insurance
Graduating college is one of the most common reasons young adults lose health coverage. Your student plan ends. Your parents' plan has a clock. For healthy grads, private PPO plans often cost under $150/month. Here's the full breakdown.
Turning 26 and Getting Kicked Off Your Parents' Insurance? Here's What to Do
Turning 26 is the most common reason young adults lose health insurance. You have options — ACA marketplace, employer coverage if you have it, or a private medically underwritten PPO if you're healthy. Here's what to do before your birthday and after, with no gaps in coverage.
What Happens to Your Health Insurance When You Sell Your Business?
Selling your business is one of the most significant health insurance events of your life. Your group plan ends. COBRA is expensive and temporary. ACA subsidy eligibility depends on your post-sale income. For healthy business owners, private medically underwritten PPO plans often provide the best coverage at the lowest cost.
Health Insurance for Self-Employed Floridians: What to Know in 2026
Florida has more solo incorporated businesses per capita than any other state. If you're self-employed and above the ACA subsidy threshold, you may be overpaying for coverage. Private medically underwritten plans often cost 30-50% less for healthy Floridians.
Retiring Before 65? How to Bridge the Medicare Gap Without Paying COBRA Rates
Medicare starts at 65. If you're retiring at 60-64, you need real coverage for 1-5 years. COBRA maxes at 18 months and is expensive.For healthy early retirees, private plans often cost 30-50% less than unsubsidized marketplace options.
Health Insurance for Self-Employed Texans: Why a Private PPO Often Wins
Texas has the most self-employed workers and some of the highest unsubsidized ACA premiums. With the subsidy cliff back, here's how self-employed Texans compare a private PPO vs. the Marketplace.
COBRA Is Expensive. Here's the Private PPO Alternative
COBRA coverage after job loss can cost significantly more than you expect — you're now paying 100% of the premium with no employer subsidy. For healthy applicants, a private underwritten PPO is often a lower-cost alternative with no open enrollment restrictions.
Health Insurance for Real Estate Agents and Realtors in 2026
Real estate agents are self-employed 1099 contractors — no group plan, no employer subsidy. In 2026, private underwritten PPO plans often beat unsubsidized ACA rates for Realtors earning above the subsidy threshold. Here's how to compare your options.
ACA Subsidy Cliff 2026: What Self-Employed Earners Above $60K Need to Know
Enhanced ACA subsidies expired December 31, 2025. If you earn above $60,240, you now pay the full unsubsidized Marketplace premium. Here's what changed — and what self-employed professionals in good health can do about it.
Super Bowl Health Insurance Playbook: Coverage Tips for Game Day and Beyond
Super Bowl LX is here—Patriots vs Seahawks at Levi's Stadium. From party injuries to travel emergencies, here's your health insurance playbook for game day and beyond. Private PPO plans available year-round.
TrumpRx Launches: What This New Prescription Drug Website Means for Your Health Coverage | RKA
President Trump launched TrumpRx.gov—a direct-to-consumer website offering discounted prescription drugs including Ozempic, Wegovy, and Zepbound. Discounts apply to cash-paying patients only and do NOT work with insurance. Here's who benefits, how it affects your coverage decisions, and what it doesn't cover.
Why PPOs Are King: The Case for Nationwide Networks and Provider Freedom
Why PPOs beat HMOs for self-employed professionals, business owners, and frequent travelers: nationwide networks, no primary care gatekeepers, direct specialist access, and fewer authorization delays.
Starting a New Business? Here's Your Health Insurance Game Plan
Starting a new business with unpredictable income? Private underwritten PPOs eliminate subsidy reconciliation hassles and may offer plans with deductibles as low as $0—often beating ACA high-deductible plans with healthier risk pools and supplemental coverage.
ACA Subsidies at Tax Time: Reconciliation, Payback, and What to Do in 2026
If you received ACA premium tax credits in 2025, your actual income gets reconciled at tax time. Earn more than estimated and you owe the difference back. With 2026 premiums rising 10-30%, now is the time to model your real costs and compare all your options.
Tennessee Travel Nurses: Why Marketplace HMOs Fail When You Travel
Tennessee travel nurses: Your HMO stops at state borders. Get Private PPO plans with nationwide coverage that actually work when you travel for assignments.
