April Clark Health Insurance Agent

01/02/2026

We are officially in that weird calendar void between Christmas and New Year’s, where no one knows what day it is.

It’s actually my favorite time to pause and look back.

2025 was a big year. We helped hundreds of families and business owners secure their futures. To Dave and me, those aren't just insurance policies. They are promises that when life gets tough, you won't have to face it alone.

Thank you for trusting us with your peace of mind this year. We are ready to go to bat for you again in 2026.

Tell me, what is one win, big or small, you are celebrating from this past year?

12/31/2025

Did your health plan just auto-renew? And more importantly, did it just get worse?

We see this happen every December. You get busy, the email gets buried, and your plan rolls over automatically. It feels convenient, until you realize what changed:
❌ Premiums: They often creep up.
❌ Deductibles: They reset (and sometimes increase).
❌ Networks: Your favorite doctor might not be covered next year.

Just because you can auto-renew doesn't mean you should.

You aren't stuck with that renewal offer. Use this time to shop around; you might find a plan with better benefits or a lower rate that you didn't know existed.

Don’t assume your current plan is your only option. Message us and let's check what else is out there.

12/29/2025

New Year’s Eve is fun, but waking up January 1st with a $0 deductible is an adjustment.

Just a reminder that when the ball drops on Wednesday night, your health insurance deductible officially resets.

If you’ve been enjoying covered visits because you met your 2025 max, be prepared for co-pays or full costs to kick back in next week.

Knowing precisely what your new deductible is prevents sticker shock at the pharmacy counter in January.

Log in and check that number today.

Are you ready for the 2026 reset?

12/25/2025

Do you know how a high-deductible health plan is different from a PPO, or preferred provider organization? Here are the main differences and why you might choose one over the other.

HDHPs and PPOs are both healthcare plans commonly offered to employees. Learn about the pros and cons of both to decide which is right for you.

12/24/2025

Imagine waking up on New Year’s Day. The confetti is on the floor, the coffee is brewing... but you don’t have health insurance.

It’s a stressful way to start a fresh year, and it carries real financial risk.

Here is the reality of the timeline: If you miss the December deadline for a January 1st start date, you aren't just delayed by a few days. You get pushed into a "coverage gap," meaning your plan won't kick in until February (or later).

That is weeks of wondering "what if."

Don't leave your start date up to chance. Let’s make sure you are fully protected the moment the ball drops.

Contact us today to secure your January 1st health coverage start date.

12/23/2025

Do you need help updating your insurance coverage? Do you know someone who wants to make changes to their insurance? I'm happy to be of assistance.

It only takes a minute.

12/22/2025

It can be difficult to change your eating habits. But if you're looking to eat healthier, here are seven popular diets and how they compare to each other.

A diet works if it helps you achieve your health goals and fulfills all of your nutritional needs. We ranked the most popular diets from best to worst for your health.

12/22/2025

The most annoying holiday tradition? Watching your hard-earned FSA money vanish on New Year's Eve. 💸

If you have a Flexible Spending Account, you need to check your balance today. Most plans have a strict December 31st deadline, meaning if you don't spend it, you lose it forever.

Do not let the insurance company keep your cash.

Get those prescription sunglasses you wanted. Stock up on sunscreen and first aid kits. Finally, book that chiropractor appointment.

Tell me, what are you buying with your FSA this week?

12/19/2025

Closing out a business year takes grit.

You’ve navigated the ups and downs of 2025, and now you’re looking ahead to bigger goals in 2026.

As you plan for that growth, remember: Every good business needs both a strong defense and a strong offense.

You focus on the offense: landing new clients, launching that new product, scaling your revenue. Dave and I will handle the defense, ensuring that a surprise medical event doesn't derail everything you've built.

Finish the year strong. We've got your back for 2026.

12/19/2025

If you're behind on retirement saving, you don't have to catch up to your peers. You just need to focus on your goals -- here's how to start.

Running behind doesn't mean you won't be ready. Begin by making small changes.

12/17/2025

The big Open Enrollment deadline for January 1st coverage has now passed. You might think you're completely out of luck for 2026, right? Wrong!

While the main public window might be closed, the private insurance world remains open. I specialize in identifying options that most people, including many general health insurance agents, often overlook.

Depending on your situation, we can still unlock great PPO coverage for you and your family. You don't have to spend another day uninsured.

Let us handle the complexity. Schedule a call today, and let's see what we can find for you.