Articles & guides
Plain-English guides to tax, ACA, life insurance, Medicare, notary services — and the financial questions South Florida families actually ask.
Insurers are cutting Medicare Advantage plans again for 2027, and the notices land in South Florida mailboxes by September 30. Here is how to read the letter, the four enrollment windows that open for you, and the one Medigap right that quietly expires 63 days after your coverage ends.
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Florida never expanded Medicaid, so hundreds of thousands of residents earn too much for Medicaid and too little for a marketplace subsidy. Here is the 2026 income ladder in real dollars, and how to tell which of the three doors is open to you.
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Medicare's Annual Enrollment Period runs October 15 to December 7, 2026 for 2027 coverage. The Part D cap rises to $2,400, the deductible to $700, and the program holding down drug-plan premiums ends. Here's how to read your ANOC and compare plans properly.
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A funeral is one of the largest bills a family faces on the shortest notice — and for many South Florida families the cost doesn't stop at the funeral home. Here's what it really costs in 2026, how final expense insurance works, and how to plan for repatriation.
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After a storm, the claim is where money is won or lost. Here's the 2026 guide for South Florida: Florida's 1-year filing deadline, what your insurer must do, wind vs. flood claims, your hurricane deductible, and the mistakes that get claims denied.
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For the first time, Medicare caps your out-of-pocket drug costs — $2,100 in 2026. Here's the plain-English guide for South Florida seniors: how the cap works, the new monthly payment plan, the $35 insulin rule, and the first negotiated drug prices.
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Your homeowners policy does NOT cover flood damage. Here's the plain-English guide for South Florida: how NFIP and private flood insurance work, the $250k/$100k limits, the 30-day waiting period, Risk Rating 2.0 pricing, and why 'I'm not in a flood zone' is the costliest myth of hurricane season.
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Medicare has a clock, and missing it can cost you for life. Here's the plain-English guide for South Floridians turning 65: your 7-month enrollment window, what the parts cover, what Medicare costs in 2026, and the late-enrollment penalties to avoid.
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A 2025 law created two new federal tax breaks for tipped and hourly workers — a deduction of up to $25,000 in tips and up to $12,500 in overtime. But “no tax on tips” doesn’t mean what the headline sounds like. Here’s how the deductions actually work for South Florida service workers, who qualifies, and what to do before you file.
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