Guides and answers
Health insurance, explained without the jargon
Straight answers on Obamacare, supplemental coverage, life insurance and enrolling with a pre-existing condition. Written for families in Florida, Georgia, the Carolinas and Texas, by the agents who do this every day.
Embarazada y sin seguro médico: qué opciones tienes
Si estás embarazada y no tienes seguro médico, tienes dos caminos: pedir Medicaid o CHIP, que aceptan solicitudes en cualquier momento del año, o...
Read articleDeducible, copago y coseguro: qué pagas tú y cuándo
El deducible es lo que pagas tú cada año antes de que tu plan empiece a pagar, el copago es una cantidad fija por...
Read articlePerdí mi trabajo: ¿cómo consigo seguro médico?
Si perdiste tu trabajo y con él tu seguro médico, tienes 60 días para inscribirte en un plan de Obamacare sin esperar al Open...
Read articleCómo inscribirse en Obamacare 2027: fechas y pasos
El Open Enrollment de Obamacare para 2027 empieza el 1 de noviembre de 2026 y termina el 15 de enero de 2027, según el...
Read articleTPS o asilo: ¿pierdo el subsidio de Obamacare en 2027?
Sí. Si tienes TPS, asilo o estatus de refugiado sin green card, parole o una visa de trabajo, desde el 1 de enero de...
Read articleSeguro médico con diabetes: qué revisar antes de elegir
Sí, puedes conseguir seguro médico teniendo diabetes, y no te lo pueden negar ni cobrar más por ella. Bajo la ley de cuidado de...
Read article¿Puedo inscribirme en Obamacare fuera de temporada?
Sí, puedes. Si en los últimos 60 días pasó algo importante en tu vida, como perder el seguro del trabajo, mudarte de condado, casarte...
Read article¿Qué es el ICHRA? La alternativa al seguro de grupo para empleadores en 2026
Si tienes empleados y estás pagando un plan de salud de grupo, probablemente ya sabes que los costos no paran de subir. Hay una...
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Diabetes and Insurance: Why You Can’t Afford to Wait Any Longer
Diabetes and Insurance: Why You Can’t Afford to Wait Any Longer Millions of people globally are facing the looming threat of diabetes, a chronic...
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Last Chance to Update Your Health Insurance: Don’t Wait for the Next Crisis
Last Chance to Update Your Health Insurance: Don’t Wait for the Next Crisis As unpredictable as life is, none of us really know when...
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Are Your Employees Covered for the Next Pandemic? Here’s Why Group Policies Matter
Are Your Employees Covered for the Next Pandemic? Here’s Why Group Policies Matter The COVID-19 pandemic taught us many things about preparedness, especially when...
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Heart Disease, Diabetes, and Hypertension: Are You Covered for the Top Illnesses?
Heart Disease, Diabetes, and Hypertension: Are You Covered for the Top Illnesses? In the backdrop of our fast-paced lives, chronic illnesses like heart disease,...
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What Happens If You’re Diagnosed with a Chronic Illness Without Insurance?
What Happens If You’re Diagnosed with a Chronic Illness Without Insurance? Picture this: you're sitting in a sterile doctor's office, your heart pounding as...
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Why Every Business Needs ICHRA in 2024
Why Every Business Needs ICHRA in 2024 In today’s rapidly evolving business landscape, staying ahead means not just adapting but leading. Enter Individual Coverage...
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The Cost of Waiting: Why Delaying Health Insurance Could Be Your Biggest Mistake
The Cost of Waiting: Why Delaying Health Insurance Could Be Your Biggest Mistake Delaying health insurance might seem like a harmless decision in the...
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How Calma Insurance’s Group Plans Offer the Best Coverage for Diabetes Patients
How Calma Insurance’s Group Plans Offer the Best Coverage for Diabetes Patients Navigating the healthcare landscape as a diabetes patient can be daunting, with...
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Top Health Risks You’re Ignoring: Are You Covered?
Top Health Risks You’re Ignoring: Are You Covered? In today's fast-paced world, it’s easy to overlook the nuances of health management. However, ignoring potential...
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You’re Not Protected: Common Illnesses Your Health Insurance Doesn’t Cover
You’re Not Protected: Common Illnesses Your Health Insurance Doesn’t Cover When we think about health insurance, we often assume that we're covered for major...
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Don’t Let Your Employees Leave You Behind: How Group Health Insurance Can Retain Top Talent
Don’t Let Your Employees Leave You Behind: Unlock the Secret to Retaining Top Talent with Group Health Insurance In today's competitive job market, attracting...
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The Illnesses Most Americans Aren’t Covered For—Are You at Risk?
The Illnesses Most Americans Aren’t Covered For—Are You at Risk? Unforeseen health issues can strike at any moment, and with them, unexpected medical expenses...
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Missed the Open Enrollment? Here’s What You Can Do to Still Get Health Insurance
Missed the Open Enrollment? Here’s What You Can Do to Still Get Health Insurance In the ever-changing landscape of American healthcare, missing the open...
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How an Unexpected Heart Attack Could Ruin Your Finances Without Coverage
How an Unexpected Heart Attack Could Devastate Your Finances Without Insurance Coverage Heart disease is a silent threat, lurking beneath the surface until it...
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Are You Prepared for the Next Health Crisis? Why Group Policies Are the Future
Are You Prepared for the Next Health Crisis? Why Group Policies Are the Future Health crises have become an undeniable part of our modern...
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Don’t Let a Cancer Diagnosis Bankrupt You: How the Right Health Insurance Can Protect You
Don’t Let a Cancer Diagnosis Bankrupt You: How the Right Health Insurance Can Protect You A cancer diagnosis can be devastating, not only for...
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