April Clark Health Insurance Agent

05/04/2026

Your doctor just got dropped from your plan. Now what?

I just helped a family cut their health insurance costs by $300 a month and improved their coverage.

They went from a narrow network with referral requirements to a nationwide PPO that lets them see any doctor or hospital.

$300 a month is $3,600 a year back in their budget.

A lot of employer plans have become overpriced for what you're actually getting. If you're self-employed or your employer coverage feels like a bad deal, there are other options.

Want to see what pricing looks like for your situation? Comment below or message me. We'll run the numbers together and see if we can find something that works better for your family and your budget.

05/02/2026

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

05/01/2026

We recently spoke with a teacher who added her husband to her district's health plan, and as a result, her premium increased by over $900 per month.

We were able to transition him to a plan that better suited their needs, saving them $550 each month, which equates to $6,600 back in their pocket every year!

This new plan also offers better coverage, lower deductibles, and a wider choice of doctors.

This isn’t just an issue for teachers; we see it across many employer plans that don't cover spousal costs.

If you're paying $500 or more monthly for a family member's coverage, contact us. You may be overpaying, and we can help you find a better solution.

04/30/2026

Want to save money on your next plane ticket? Here's the latest on the cheapest times to fly.

Expedia 2026 Air Hacks Report reveals cheapest days to fly, microcations, booking windows, and airfare trends to save money this year.

04/29/2026

We're still hiring, and I need to be honest about what this job actually is.

You'll be the person someone calls when they're staring at a $400 pharmacy bill they don't understand. You'll walk a self-employed parent through plan options when they're stressed about money. You'll answer the phone on the third ring, remember their name, and actually solve the problem.

If you've ever called your insurance company and gotten transferred four times to people who don't know your situation, you already get why our clients stay with us. We're April and Dave. Same people, every time. That's what we're building.

We need someone organized, empathetic, good at making complicated things simple, and who genuinely wants people to hang up feeling relieved instead of more confused.

Message us if that sounds like work you'd actually enjoy doing.

04/28/2026

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.

04/27/2026

If technological tracking seems more invasive than ever, here are some steps you can take to fight back.

Have you ever mentioned something in passing to a friend and then suddenly see ads for it everywhere? They say it's a coincidence. They say it's because

04/27/2026

Self-employed? You might be able to deduct your health insurance premiums from your taxable income.

Not as an itemized deduction. As an adjustment to income. Medical, dental, vision, and long-term care premiums can qualify. There are some rules, though; you typically can't deduct premiums for months you were eligible for an employer plan, and you generally need to show a net profit.

This can be one of the biggest tax advantages for 1099 contractors and business owners, but the details depend on your specific situation.

Questions about how this works for you? Call us. We talk people through this all the time.

04/24/2026

Someone asked me why we do this work the way we do it.

Because I know what it's like to be in a pharmacy parking lot at 8 pm with a sick kid, staring at an expensive prescription, while the insurance company puts you on hold for the fourth time.

I know what it feels like to be self-employed, looking at a high deductible, wondering if you can even afford to use the insurance you're paying for.

When you're in those moments, you don't need a robot or a call center. You need a real human who knows your situation and can actually help.

That's what we built. We're not trying to scale to thousands of clients. We're trying to be the people you can reach when something goes wrong.

If you've ever felt lost in the insurance system, that's exactly what we're here for.

04/24/2026

Financial shame and guilt can turn a single mistake into a decade of bad decisions. But they don't have to.

Made money mistakes? Learn how to forgive your financial past, release guilt, and rebuild your finances with clarity and confidence.

04/22/2026

Most people don't use preventive care until something's already wrong.

Most plans cover preventive care at little to no cost, so you can catch problems before they become expensive emergencies. Annual physicals, bloodwork, cancer screenings, immunizations, and well-child visits; all of these visits are often covered depending on your plan.

The whole point of these benefits is to find problems when they're still small and fixable, rather than waiting until you're already sick.

Don't put these visits off. Schedule your annual physical now while you're healthy.

Need help figuring out what's covered on your specific plan? Call us.

04/21/2026

Working toward a stash of savings to tap when unexpected expenses come up can help you feel more peaceful and in charge.

Plus: why finding a higher yield savings account is worth the effort.