No jargon, no filler, and nothing being sold to you halfway down the page. Each guide answers a real question, explains what is at stake, and tells you what to do next.
9 min read
Two completely different ways to cover the gaps in Medicare. One trades a lower premium for a network and copays; the other trades a higher premium for predictability and freedom. Here is how to work out which one fits you.
Reviewed August 15, 2026
8 min read
IEP, AEP, OEP, SEP, GEP — five acronyms, five different rules, and permanent penalties for getting them wrong. Here is what each window actually lets you do and when it applies to you.
Reviewed August 15, 2026
8 min read
What to do and when, from six months before your birthday through your first year on Medicare — including the two decisions that are much harder to reverse later.
Reviewed August 15, 2026
7 min read
The single most useful hour you can spend before choosing any health or Medicare plan — and the specific mistakes that make people think they checked when they did not.
Reviewed August 15, 2026
9 min read
Where the number comes from, why your income estimate matters more than anything else, and the Silver-plan rule that quietly saves some households thousands of dollars a year.
Reviewed August 15, 2026
7 min read
Open Enrollment is not the only way in. If one of these happened in the last 60 days, you can probably enrol today — but the clock is already running.
Reviewed August 15, 2026
8 min read
COBRA keeps the plan you know at a price that is often a shock. A subsidised Marketplace plan is frequently far cheaper. Here is how to run the comparison before your election deadline passes.
Reviewed August 15, 2026
9 min read
Health insurance is the reason a lot of people work longer than they need to. It is a solvable problem, and the solution is mostly about how you manage income in the bridge years.
Reviewed August 15, 2026
Guides help, but your situation is yours. Sarah will go through your doctors, your prescriptions and your real numbers — at no cost.
A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086
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