Strother Standard

01/12/2026

Marketplace vs. Private Health Insurance: What No One Explains Clearly 🏥💡
Choosing health insurance can feel confusing—but knowing the difference can save you money and stress.

Marketplace (Affordable Care Act) plans:
✅ Income-based subsidies may lower your monthly premium
✅ Coverage options follow ACA rules
✅ Enrollment is limited to open enrollment periods

Private health insurance:
✅ Often more flexible plan options and networks
✅ Can be purchased year-round
✅ No income requirements

Understanding the pros and cons helps you pick a plan that fits your budget, health needs, and lifestyle. Don’t guess—let us help you navigate your options and get the coverage you deserve 📩.

01/09/2026

Life changes—raises, new jobs, reduced hours, or retirement—can have a big impact on your health insurance eligibility and costs. What once worked for you may no longer cover all your needs, leaving you with higher premiums, denied claims, or gaps in coverage.

Even small income changes can affect:
✔️ Subsidies for marketplace plans
✔️ Eligibility for Medicaid or CHIP
✔️ Premiums and out-of-pocket costs

As a licensed health insurance agent, I help people navigate these changes, compare options, and make sure their coverage matches their current situation—so you’re never caught off guard.

📩 Message me or comment “HEALTH COVERAGE” to review your plan today and keep your protection in check.

01/07/2026

Did you know the “network” in your health insurance plan can make or break your coverage? Many people don’t realize that where you go for care can have a huge impact on costs, coverage, and access.

Here’s what to know:
🔹 In-network vs. out-of-network – Seeing a provider outside your network can cost hundreds—or even thousands—more.
🔹 Limited provider options – Some plans only cover certain doctors, hospitals, or specialists.
🔹 Referral requirements – Some plans require referrals to see specialists, adding extra steps and delays.
🔹 Hidden restrictions – Certain tests, treatments, or medications may only be covered in-network.

Understanding your network is the key to avoiding surprise bills and getting the care you need. Don’t let the fine print control your health—or your wallet.

📩 Message me today to review your options and make sure your plan truly works for you.

01/05/2026

Choosing health insurance isn’t just about picking a plan—it’s about making sure it actually works for you and your family. Building a plan on your own can feel overwhelming, and one wrong choice could mean gaps in coverage or unexpected costs.

Here’s where guidance makes a difference:
✔️ Understanding your options – Know which plans cover your doctors, prescriptions, and services
✔️ Maximizing affordability – Find the right balance of premiums, deductibles, and out-of-pocket costs
✔️ Avoiding surprises – Make sure your coverage protects you when you need it most
✔️ Personalized advice – Plans aren’t one-size-fits-all; your health, budget, and lifestyle matter

With expert guidance, you’re not just picking a plan—you’re making a plan that works.

💬 Message us today for a free consultation and see how having guidance can save you time, money, and stress.

01/01/2026

✨ Cheers to a new year. Wishing you continued growth, new opportunities, and success in the year ahead.

01/01/2026

12/26/2025

Health insurance can be confusing, but understanding your choices is key to protecting your health and your wallet. Don’t let complexity keep you from getting the coverage you need.

💡 Key health insurance options explained:
✔ Individual & Family Plans – Coverage tailored to your household’s needs
✔ Employer-Sponsored Plans – Often include lower costs and extra benefits
✔ Medicaid & CHIP – Assistance programs for qualifying individuals and families
✔ Short-Term or Gap Coverage – Temporary protection while between plans

Choosing the right plan depends on your budget, medical needs, and lifestyle. A review of your options can save money and ensure you’re fully covered.

📞 Message us today for a simple, personalized review — navigating your health insurance doesn’t have to be overwhelming.

12/25/2025

✨ Season’s greetings! May this festive time bring happiness, reflection, and a bright start to the year ahead. 🎁

12/22/2025

Health insurance isn’t just about doctor visits — it’s about protecting your finances when the unexpected happens.

💡 Why coverage matters:
✔ Helps cover high medical bills from accidents or illnesses
✔ Provides access to preventive care and routine checkups
✔ Limits out-of-pocket costs with deductibles, copays, and maximums
✔ Offers peace of mind knowing you’re protected

Without insurance, even a short hospital stay can lead to overwhelming expenses. The right health plan helps safeguard your savings while making quality care more affordable.

📞 Whether you’re self-employed, between jobs, or looking for better coverage, we’re here to help you find a plan that fits your needs and budget. Reach out today to get started.

12/19/2025

Many people skip dental and vision coverage thinking it’s optional—but small problems can turn into big (and expensive) ones without regular care.

🦷 Dental insurance helps cover:
• Preventive care like cleanings and exams
• Fillings, crowns, and other restorative services
• Early detection of issues that can affect overall health

👓 Vision insurance helps with:
• Routine eye exams
• Glasses or contact lenses
• Early detection of eye diseases and other health conditions

These plans are often affordable add-ons that can save you money, protect your health, and help you avoid unexpected out-of-pocket costs. Let’s take a look at your options and see if dental and vision coverage makes sense for your needs and budget. 💬

12/17/2025

One of the most common things I hear from people is:
👉 “I thought my plan covered more than it actually does.”

Too often, people choose a health insurance plan based only on the monthly premium—only to be surprised by high deductibles, limited networks, or unexpected out-of-pocket costs when they actually need care.

How to avoid this regret:
✔ Understand your deductible, copays, and out-of-pocket maximum
✔ Make sure your doctors and prescriptions are covered
✔ Choose a plan that fits both your health needs and your budget
✔ Review your coverage during open enrollment or after life changes

Health insurance isn’t just a requirement—it’s protection for your health and your finances.

If you’re self-employed, changing jobs, losing coverage, or just unsure if you’re on the right plan, I’m here to help.
📩 Message me today for a free, no-obligation health insurance review.

12/15/2025

Open Enrollment is your chance to choose the right health coverage — but many people make costly mistakes without realizing it 👇

❌ Choosing a plan based only on monthly price
❌ Not checking if your doctors or prescriptions are covered
❌ Ignoring deductibles, copays, and out-of-pocket limits
❌ Missing deadlines and losing coverage options
❌ Assuming last year’s plan is still the best fit

Health insurance isn’t one-size-fits-all. The right plan balances cost, coverage, and your real healthcare needs 🩺💡

A licensed health insurance agent can help you compare plans, explain the fine print, and avoid surprises after enrollment.

📩 Message me today to get guidance before Open Enrollment ends.