April Clark Health Insurance Agent

09/25/2025

When someone tells you they're suffering, sharing your own struggles may not have the effect you think. Learn to be a better listener in this post.

"Though it may come with the best intentions, the 'I've been there, too' approach shifts to focus from them to you," writes communication coach Emily Kasriel.

09/23/2025

I'd be happy to help if you need assistance updating your insurance coverage.

I would love to hear from you.

09/23/2025

If you like my service or have feedback to share, don't forget to leave a review on my site.

If we’ve worked together in the past and you had a great experience, would you pay it forward with a review? Thanks so much in advance.

09/22/2025

Projected rate increases for 2026 are expected to range between 20% and 30%.

Here’s how to avoid a sudden spike in your premium:

1️⃣ Review your plan now before your renewal notice arrives.
2️⃣ Compare your current rate to next year’s projections.
3️⃣ If you’re eligible, consider locking in a rate for 1 to 2 years.

Don’t wait for sticker shock when your mail arrives.

Let’s take action before Open Enrollment begins!

09/22/2025

Everyone responds differently to caffeine. If it's making you feel worse instead of better, you might find the reason here.

Sure, there are the generally recommended limits, but what’s right for you might be different—here's why.

09/19/2025

I'm not here to sell you a plan; I'm here to solve a problem.

One client approached me, paying excessively high premiums for a plan that didn’t address their most important needs. Withessential, we were able to:
- Lower their costs
- Expand their coverage
- Maintain their preferred providers

That’s what coverage should do.

Let’s ensure yours is working as hard as you are.

09/19/2025

Selecting individual health insurance can be complicated. Get tips and strategies for buying the right coverage at the right price.

Learn to maximize premium tax credits and minimize health insurance costs when buying individual plans through the Marketplace.

09/16/2025

Here's what to know about how changes in some laws and rules could change your finances when it comes to health insurance.

Plus: new rules for HSA contributions.

09/15/2025

Here are three signs that your health plan might be holding you back:

🚩 You avoid seeing the doctor because they're out of your network.
🚩 Your deductible increases every year.
🚩 You are paying for benefits that you never use.

If any of these sound familiar, your plan may be costing you more than just money.

Don't wait for Open Enrollment to make a change; we can start today! Message me, and let's improve your coverage.

09/13/2025

When you subscribe, you'll receive two emails a month with tips for navigating your health and life insurance policies and needs.

Sign up and stay tuned for this week's posts.

09/12/2025

Health insurance is personal for me.

I started this business because I noticed too many people feeling trapped by plans they didn’t understand or couldn’t afford.

Now, I help families, business owners, and self-employed professionals navigate the confusion and find plans that truly fit their needs.

You deserve to know exactly what you’re paying for and to feel confident that it’s the best option for you. Let’s ensure your coverage is effectively working for you.

09/11/2025

What does it mean to have a shared reality with your partner, and how does it contribute to happiness and satisfaction in your relationship and in life?

Having a shared perception of reality with your partner can not only help your relationship, but your own sense of meaning.