Martindale Insurance Services Blog
Health Insurance for Self-Employed Floridians: What It Costs in 2026
Majority of Florida runs on self-employment. Contractors, realtors, freelancers, gig drivers, and small agency owners make up a huge share of the state’s workforce, and none of them get a benefits package.
Turning 65 in Tampa: Your Complete Medicare Checklist
Your 65th birthday arrives with a stack of mail, a wave of sales calls, and a set of decisions with lifelong consequences. Turning 65 in Tampa drops you into one of the most competitive Medicare markets in America. Every carrier wants your enrollment, and the advice rarely comes neutral. This checklist walks through what to do, in order, starting three months before your birthday.
Do You Still Qualify for a Florida Health Insurance Subsidy in 2026?
Enhanced ACA tax credits expired at the end of 2025, and marketplace premiums jumped for thousands of Floridians. Here’s who still qualifies for a subsidy, why the income cliff is back, and what to do if your credit disappeared.
Medicare Enrollment Periods Explained: When You Can Join, Switch, or Drop a Plan
Medicare runs on strict windows, not open-ended sign-up. Missing one can mean lifelong late penalties or coverage gaps. Here’s every enrollment period that matters, and the deadlines Florida residents miss most often.
Does Medicare Cover Chiropractic Care?
The short answer is that Medicare continues during a government shutdown. Your benefits don’t disappear, your doctors can still see you, and your claims will generally still be processed. But “largely continues” isn’t the same as “completely unaffected”.
Does Medicare Pay for Assisted Living?
The short answer is that Medicare continues during a government shutdown. Your benefits don’t disappear, your doctors can still see you, and your claims will generally still be processed. But “largely continues” isn’t the same as “completely unaffected”.
Does Medicare Cover Colonoscopies?
The short answer is that Medicare continues during a government shutdown. Your benefits don’t disappear, your doctors can still see you, and your claims will generally still be processed. But “largely continues” isn’t the same as “completely unaffected”.
What Is Medicare Tax?
The short answer is that Medicare continues during a government shutdown. Your benefits don’t disappear, your doctors can still see you, and your claims will generally still be processed. But “largely continues” isn’t the same as “completely unaffected”.
Does Medicare Cover Dental Implants?
The short answer is that Medicare continues during a government shutdown. Your benefits don’t disappear, your doctors can still see you, and your claims will generally still be processed. But “largely continues” isn’t the same as “completely unaffected”.