Tax credits
Do You Have to Pay Back the Premium Tax Credit?
How Form 8962 and your 1095-A settle your premium tax credit, what excess APTC is, and the repayment rule under current law.
Daniels Health Advisors blog
Health insurance guides
Short, clear guides to help you pick and use your health coverage. Written by Paul Daniels, a licensed insurance agent.
Latest guides
39 guides · Updated Oct 28, 2026
Self-employed
Health Insurance for Self-Employed Families: How to Cover Everyone
Health insurance for self-employed families: estimate income, the family tax credit rules, KidCare, the Form 7206 deduction, a spouse's job plan, and private PPOs.
Small employers
How to Set Up an ICHRA, Step by Step
How to set up an ICHRA: pick employee classes, set allowances, write the plan, send the 90-day notice, verify coverage, and keep records.
Small business
How to Get Health Insurance as a Small Business Owner: 4 Paths to Compare
How small business owners get their own health insurance: a group plan, an ICHRA, a Marketplace plan with the self-employed deduction, or a private PPO.
Private plans
How to Get Private Health Insurance: Steps, Timing and What to Expect
How to get private health insurance: what private means, the steps to apply, health questions, start dates, and when Open Enrollment matters.
Small business
How Many Employees Do You Need for Group Health Insurance in Florida?
How many employees you need for group health insurance in Florida: the 1 to 50 small-employer rule, one-employee groups, owner-only businesses, and participation rules.
Tax credits
Obamacare Income Limits in Florida for 2027: From 100% to 400% of Poverty
Obamacare income limits in Florida for 2027 coverage: 2026 poverty guideline dollar amounts by household size, the Medicaid floor, MAGI, and reporting changes.
Self-employed
LLC Health Insurance: Can Your LLC Pay for Your Health Insurance?
Can your LLC pay for your health insurance? How single-member and multi-member LLCs handle owner premiums, guaranteed payments, Form 7206, and the tax credit.
Small employers
ICHRA Pros and Cons: What Employers and Employees Should Weigh
ICHRA pros and cons vs a traditional group plan, for employers and employees: fixed allowances, employee classes, plan choice, networks, and Florida county choices.
Self-employed
Starting a Business? How to Keep Health Insurance When You Leave Your Job
Leaving your job to start a business? See your health insurance options, the 60-day window after job coverage ends, and how to estimate first-year income.
Plan networks
Can You Get a PPO Plan on the Marketplace? How to Check the Network Type
Can you get a PPO on the Marketplace? Sometimes. It depends on your county and the year. What Florida plan data shows, and how to check a plan's network.
Family coverage
How Much Does Family Health Insurance Cost? What Drives the Price
How much family health insurance costs depends on each person's age, where you live, tobacco use, the plan, and your income. Here's how each one works.
Small employers
The Small Business Health Care Tax Credit: Who Qualifies and How It Works
Who can claim the small business health care tax credit: fewer than 25 FTEs, the IRS wage limit, the 50% premium rule, SHOP coverage, the two-year limit, and what Florida data show.
Self-employed
Do 1099 Contractors Get Health Insurance? Where Your Coverage Comes From
Most 1099 contractors don't get health insurance from the businesses that pay them. Where coverage can come from instead: a Marketplace plan, a spouse's plan, or a private plan.
Prescriptions
Copay Plans vs. HSA Plans vs. Discount Cards: How Prescription Coverage Works
How copay plans, HSA plans and discount cards handle prescriptions, with a made-up example, HSA rules, and questions to ask before you choose a plan.
Prescriptions
Does My Health Plan Cover Insulin? How to Check a Formulary
Being on a drug list doesn't always mean a drug is covered. Learn drug tiers, how copays and HSA plans differ, and what to ask about insulin before you enroll.
Dental coverage
What Dental Insurance Covers Right Away: Waiting Periods Explained
What a dental waiting period is, how preventive, basic and major care differ, and the questions to ask before you choose a dental plan.
Self-employed
What Does Self-Employed Health Insurance Cost? The Factors That Set Your Price
What sets your health insurance price when you work for yourself: the federal rating rules, your plan choice, the tax credit, and dated CMS and Florida averages.
Health insurance basics
What Is an Out-of-Pocket Maximum in Health Insurance?
What an out-of-pocket maximum is, what counts toward it, how it differs from a deductible, family limits, and the 2027 federal caps.
Small employers
Do Restaurants Have to Offer Health Insurance? Only at 50 or More Full-Time Employees
Do restaurants have to offer health insurance? Only at 50 or more full-time employees. How part-time, seasonal and changing-hours staff count.
Job coverage
Can You Get Marketplace Insurance When Your Job Offers Coverage?
When your job offers health insurance: the affordability and minimum value tests for the Marketplace tax credit.
Travel & moving
Does Your Health Insurance Work in Another State? What's Covered
What your plan covers in another state, emergencies vs. routine care, and network rules.
Self-employed
Can You Have an HSA If You're Self-Employed? How It Works
Who qualifies, the 2027 IRS limits, and how 1099 workers open and use an HSA.
Small employers
ICHRA Affordability for 2027: How Employers Run the Test
How employers run the 2027 affordability test, the 10.22% share, and the safe harbors.
Coverage changes
Turning 26? How to Get Your Own Health Insurance Without a Gap
When a parent's plan ends, your 60-day window, and your options for your own plan.
Self-employed
How Owner-Operator Truckers Get Health Insurance on the Road
Marketplace plans, networks for drivers on the road, and deducting your premiums.
Open enrollment
Does Your Marketplace Plan Renew on Its Own? What to Check Before 2027
What happens if you do nothing, what can change, and what to check before 2027.
Coverage changes
COBRA vs Marketplace Insurance: How to Compare Your Options
The 60-day deadlines, what COBRA can cost, and how the tax credit works with COBRA.
Self-employed
S Corp Owner Health Insurance: How the 2% Shareholder Rule Works
How the IRS 2% shareholder rule works, W-2 reporting, and the Form 7206 deduction.
Life insurance
Term vs Whole Life Insurance: How to Choose
How long each lasts, what it costs, cash value, and which fits common goals.
Tax credits
The 2027 ACA Subsidy Cliff: What the 400% Limit Means for Your Premium
Where the 400% limit falls by household size, the 2027 table, and where the law stands.
Small employers
How to Offer Health Insurance to Employees When You Run a Small Crew
Group plans, CHOICE and QSEHRA, or a raise: how a small crew can offer coverage.
Plan types
PPO vs HMO Health Insurance: How to Tell Which Fits
How HMO, PPO, EPO, and POS networks differ, and how to check a plan before you pick.
Small employers
ICHRA vs QSEHRA: How Small Employers Can Compare Them
Who can offer each, employee classes, tax credit effects, and examples from trades crews.
Open enrollment
Supplemental Insurance for a High-Deductible Plan in 2027
How supplemental coverage fits a bronze plan, what it won't cover, and 2027 changes.
Health insurance basics
You're Probably Shopping for Health Insurance Backwards: The 5 Numbers That Actually Matter
Premium, deductible, copays, out-of-pocket max, and network: how to compare plans.
Open enrollment
How to Estimate Your Income for Marketplace Coverage in 2027
What income counts, who to include, and what happens if your guess is off.
Self-employed
The Self-Employed Health Insurance Deduction, Explained
Who can deduct their health premiums, the profit limit, and which form to use.
Family coverage
How to Choose Family Health Insurance: 5 Mistakes to Avoid
Five common mistakes families make when picking a plan, and how to avoid them.
Talk to a licensed agent
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