Guides
Health insurance guides for Arizona, Alabama & Texas.
Plain-English writeups of the things clients actually ask us about: what changed with ACA subsidies, how Medicare Advantage stacks up against Medigap, what the self-employed and small employers can do, and where short-term plans fit. Written in house and reviewed by our licensed agents.
2027 ACA Rate Increases in Texas: Every Carrier's Filed Number
Texas carriers filed a median increase of about 13.6 percent for 2027, less than half what Arizona filed. Here is every number, and the two exits that matter more than the percentages.
Lost Your Job? Read This Before You Elect COBRA
The benefits packet only describes COBRA, because it is the only option your employer has to offer you. It is not a recommendation, and it is often not the best deal on the table.
2027 ACA Rate Increases in Arizona and Alabama: What They Actually Do to Your Bill
Arizona carriers filed between 3 and 34 percent for 2027. Alabama filed between 12 and 35 percent. Here is every number, and why the headline is not your bill.
Cigna Is Leaving the ACA Marketplace for 2027: What Arizona Members Should Do Now
Cigna is exiting the ACA individual marketplace in Arizona for 2027. You will not be left uninsured, but the automatic replacement is where people get hurt.
ACA Subsidy Changes for 2026: What Arizona and Alabama Families Need to Know
Enhanced subsidies expired, premiums jumped, and the subsidy cliff is back. What changed, and five ways to lower your cost.
Self-Employed Health Insurance in Arizona and Alabama: Your 2026 Options
No HR department picks your plan. Your 2026 options, plus the premium deduction most employees never get.
Medicare Advantage vs Medigap in Arizona and Alabama: Which Is Right for You?
Two very different ways to fill the gaps in Original Medicare, compared side by side, plus the one deadline you cannot miss.
Small Business Health Insurance in Arizona and Alabama: Group Plans, ICHRA, and QSEHRA Explained
Group plan, ICHRA, or QSEHRA? A plain-English comparison of the three ways to offer benefits in 2026.
Short-Term Health Insurance in Arizona and Alabama: What the 2026 Rules Mean for You
Both states now allow long-duration coverage, by different routes. What these plans do and do not cover before you buy.
Apex Health Advisors LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 3 organizations which offer 16 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. TTY users can call 1-877-486-2048. The line is open 24 hours a day, 7 days a week.
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