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Medicare’s Annual Enrollment Period (AEP) runs October 15 – December 7, 2026. This is the short window each year when most people with Medicare can review, change, or sign up for coverage that better fits their health and budget for 2027. 1. Important 2026 Open Enrollment Dates October 1, 2026: Insurance companies can start sharing

Attracting and retaining great employees is one of the biggest challenges Florida small businesses face today. Wages matter, work culture matters, but benefits often make the difference when an employee decides whether to stay or go. At the top of that benefits list is health insurance. For many small employers, offering health coverage can feel

Choosing health insurance during Open Enrollment is only half the battle. The other half is knowing how to actually use your Florida Blue plan once January hits. Whether you have coverage on your own through the Marketplace or you get it through a small employer, this guide will walk you through the practical steps that

Posted by Jane Moerlie, Owner of Florida Insurance Boutique As we wrap up another year here at Florida Insurance Boutique, I wanted to reflect on the conversations I’ve had with clients across the Sunshine State. Health insurance can be a complex topic, especially with ongoing changes in regulations, coverage options, and costs. In 2025, we

Welcome to the Florida Insurance Boutique blog, where we keep you informed about essential insurance matters affecting your well-being and financial health. Today, we’re diving into a critical topic that affects many individuals and families who benefit from health insurance subsidies through the Health Insurance Marketplace—filing your tax returns annually. Understanding Health Insurance Subsidies When

Hello, Florida friends! Jane Moerlie here from Florida Insurance Boutique, ready to demystify COBRA insurance and show you how it can smoothly transition you from workplace health insurance to ACA coverage. Let’s dive in with confidence! What is COBRA Insurance? COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act, is a federal law that

Navigating health insurance can feel like solving a puzzle—but it doesn’t have to! At Florida Insurance Boutique, we’re here to simplify the process, so you can focus on what matters most: your health and peace of mind. Why Health Insurance Matters Health insurance isn’t just about emergencies—it’s your safety net for routine care, prescriptions, and

Understanding the True Cost of Not Having Health Insurance Think of health insurance as a safety net.  It’s there to catch you when you least expect it – a sudden illness, an accident, or a chronic condition. Without it, even a minor health issue can quickly spiral into a major financial crisis.  A single emergency

Navigating the world of life insurance can often feel overwhelming, especially with the variety of options available. At Florida Insurance Boutique, we believe that understanding the differences between term and whole life insurance is essential for making an informed decision. In this blog, we’ll break down the key features of each type of policy, discuss

The Importance of Providing Health Insurance to Employees of Small Businesses In today’s competitive market, attracting and retaining top talent is crucial for small businesses. One of the most effective ways to achieve this is by offering health insurance to your employees. While some small business owners may view health insurance as an additional expense,