Alex Molina · Licensed Insurance Professional · Florida
Independent advisor. Multiple carriers. No pushy sales. We start by understanding where you are — then find what actually fits.
These are the nine things most brokers never bring up — because they're only selling you one company's product. We think you deserve the full picture before you sign anything.
Point 1
The ACA marketplace wasn't built for you. It was designed for a different buyer at a different life stage. If you're self-employed and over 50, you may be overpaying for benefits you'll never use.
Point 2
"Health insurance alternatives" is not one thing — it's a spectrum. The difference between a regulated major-medical plan and a healthshare ministry is the difference between a contract and a prayer.
Point 3
What a plan doesn't cover matters more than what it does. Every sales pitch leads with benefits. Nobody leads with exclusions. The question that protects you: "What happens when I actually get sick?"
Point 4
The cheapest plan is often not the cheapest plan. A $200/month premium with a $12,000 out-of-pocket max can cost far more than a plan that costs $100 more and covers the first $5,000.
Point 5
The 2026 subsidy cliff is real — and it's now. Enhanced premium tax credits are expiring. For someone over the subsidy threshold in Florida, that premium can jump three to five times overnight.
Point 6
Ages 45 to 64 is the most financially dangerous health coverage window of your life. Most brokers treat it like a routine transaction. It isn't. One hospitalization at the wrong moment can wipe out a decade of savings.
Point 7
Most brokers are locked into one company's products. That's called a captive agent. We work with multiple carriers — which means we compare your options and find what fits your life, not theirs.
Point 8
Your health insurance decision is also a retirement decision. The $300/month you save on premiums isn't just a discount — it's money that could be building wealth you can access before retirement age, without penalties.
Point 9
Most advisors only handle one chapter. Health OR retirement. Not both. We handle both — because protecting what you have today and building what you'll need tomorrow are the same conversation.
Most advisors can only help you with one piece. We cover the full path — because the goal isn't just to get you covered this year. It's to make sure you never run out of money.
We start here. Compare your actual options — ACA, major-medical alternatives, supplemental coverage — and find what fits your life stage, not the life of the average buyer the marketplace was built for.
Term or permanent. The conversation most people put off until it's urgent. We have it while you still have full options.
An Indexed Universal Life policy isn't just life insurance — it's a wealth vehicle with a floor (it can't go backward), tax-advantaged growth, and money you can borrow before 59½ without IRS penalties. Most people have never been told this is possible.
Guaranteed lifetime income through annuities, including options that fund long-term care without bankrupting your estate. The conversation that closes the loop between protecting your health today and ensuring you never run out of money.
I've spent 25 years in financial services. I've watched people get sold the cheapest plan available instead of the right one. I've watched health decisions made in isolation from retirement planning — as if they're two different problems for two different advisors.
They're not. They're the same problem at different altitudes.
I'm independent, which means I work with more than one company. That means I can compare your options and recommend what actually fits — not what happens to be on the shelf. I get paid either way, so I have no reason to recommend the wrong thing.
I'll tell you when an alternative health plan is the right call and when it isn't. I'll tell you when the ACA marketplace is actually your best option. And I'll tell you when the premium you're "saving" is setting you up for a problem you don't see yet.
That's the conversation I want to have with you.
— Alex Molina, Health and Wealth Advisors
Each of the 9 points above, expanded — with the questions to ask before you sign anything. No pitch. Just the information.
No spam. One guide, a short follow-up sequence, and you can unsubscribe anytime.
No pitch. No obligation. We look at where you are, what you're paying, and what actually makes sense for your situation. You leave knowing more — regardless of whether we work together.
30 minutes. No pressure. Direct to calendar.