Landel Insurance

🚨 Attention Florida Cigna ACA Members 🚨

Cigna has announced it will no longer offer ACA Marketplace Health Plans in Florida for 2027. That means many Florida families will need to shop for new coverage options during Open Enrollment.

The good news? You have options — and Landel Insurance is here to help make the transition simple.

We help Florida individuals & families:

✅ Shop & Compare Alternative Carriers
✅ Explore Low Monthly Payment Options
✅ Find Plans with Lower Deductibles
✅ Access Nationwide PPO Networks
✅ Compare Doctors, Networks & Prescription Coverage
✅ Get Personalized Guidance at No Cost

Don’t wait until the last minute and risk coverage gaps or higher costs. We’ll help you review your options and find a plan that fits your healthcare needs and budget for 2027.

📞 Call/Text: 772-874-3224
🌐 Visit: LandelInsurance.com

Local. Independent. Here for Florida Families.

💡 Paying full price for Health Insurance in Florida? You may have more options than you think.

Many Florida households who don’t qualify for ACA subsidies are discovering that Private Health HSA PPO Plans can offer:

✅ Lower Monthly Premiums
✅ PPO Flexibility
✅ Nationwide Networks
✅ Tax Advantages with an HSA
✅ Coverage Built Around Your Needs

At Landel Insurance, we help individuals & families shop and compare private health options from top carriers to find plans that fit both your healthcare needs and your budget.

Don’t assume you’re stuck overpaying. Let’s see if a Private PPO plan could help you save money while keeping quality coverage.

📞 Call/Text: 772-874-3224
🌐 Visit: LandelInsurance.com

Serving Florida families with personalized health insurance guidance.

💡 Paying full price for Health Insurance in Florida? You may have more options than you think.

Many Florida households who don’t qualify for ACA subsidies are discovering that Private Health HSA PPO Plans can offer:

✅ Lower Monthly Premiums
✅ PPO Flexibility
✅ Nationwide Networks
✅ Tax Advantages with an HSA
✅ Coverage Built Around Your Needs

At Landel Insurance, we help individuals & families shop and compare private health options from top carriers to find plans that fit both your healthcare needs and your budget.

Don’t assume you’re stuck overpaying. Let’s see if a Private PPO plan could help you save money while keeping quality coverage.

📞 Call/Text: 772-874-3224
🌐 Visit: LandelInsurance.com

Serving Florida families with personalized health insurance guidance.

Most people treat their HSA like a basic savings account…

But in 2026, your HSA could be one of the smartest tax-advantaged financial tools you have. 💰

Whether you’re enrolled through the Marketplace, private insurance, or employer coverage, understanding how to properly use your Health Savings Account can help you:

✅ Lower your taxable income
✅ Build long-term healthcare savings
✅ Pay for qualified medical expenses tax-free
✅ Prepare for retirement healthcare costs
✅ Avoid common HSA mistakes and penalties

The problem? Many Floridians either underfund their HSA… or never use the full benefits available to them.

In our latest blog, we break down:
📌 2026 HSA contribution limits
📌 What expenses actually qualify
📌 HSA tax advantages most people overlook
📌 Common Florida health insurance/HSA misconceptions
📌 Strategies to maximize your account year-round

If you have an HSA — or are considering an HSA-eligible health plan — this is worth the read.

📖 Read the full blog here:

How to Maximize Your HSA in 2026 (Florida Guide) | Landel Insurance 2026 HSA contribution limits, the Florida tax advantage, eligible expenses, investment strategy, and how to use your HSA as a retirement vehicle.

Choosing a Medicare Supplement plan in Florida for 2026? Don’t guess your way through it. 🛡️

From Plan G vs. Plan N to understanding networks, underwriting, rate increases, and nationwide coverage — our latest guide breaks it all down in plain English.

At Landel Insurance, we help Florida seniors shop & compare Medicare Supplement plans from top carriers at no cost to you.

Read the full guide here:

Medicare Supplement Plans in Florida (2026 Guide) | Landel Insurance Compare Florida Medigap plans for 2026. Real costs, coverage differences between Plan G, Plan N, and high-deductible options, and how to switch without medical underwriting.

Most Floridians know what they pay for health insurance… but not what their plan actually covers. 👀

And honestly? That’s not surprising. Health insurance is packed with fine print, confusing terms, and marketing that focuses more on low premiums than real benefits.

For 2026, several Florida health insurance rules and coverages have changed — and many people are leaving valuable benefits unused simply because they don’t know they exist.

In our latest blog, we break down:
✅ What your Florida health plan actually pays for
✅ The biggest 2026 coverage changes
✅ Hidden benefits many members overlook
✅ Common misconceptions about deductibles, networks & copays
✅ How to make the most of your coverage

Understanding your plan could save you money, reduce surprise bills, and help you access benefits you’re already paying for.

📖 Read the full blog and make sure your coverage is working for you — not against you.

What Your 2026 Florida Health Insurance Covers | Landel Insurance A 2026 Florida health insurance benefits guide — preventive care, prescriptions, mental health, telehealth, and the new federal rules that changed coverage this year.

🚨 Important Update for Our Current Cigna Clients 🚨

We want to make sure you’re prepared for upcoming changes to your health coverage.

Cigna has announced they will exit the Marketplace (ACA) beginning January 1, 2027. If you currently have a Cigna Marketplace plan, don’t worry — Landel Insurance already has a game plan in place to help you transition smoothly during Open Enrollment.

✅ We will help you review all available plan options
✅ Compare networks, doctors & prescriptions
✅ Review premiums, deductibles & benefits
✅ Check subsidy eligibility & savings opportunities
✅ Help you avoid gaps in coverage
✅ Make the switching process simple and stress-free

Our team will be proactively reaching out to current Cigna clients before Open Enrollment so you can feel confident choosing the right plan for 2027.

We work with trusted carriers including:
• Ambetter
• Oscar
• UnitedHealthcare
• Molina
• & more

Your coverage matters — and we’re here to guide you every step of the way.

📞 Call/Text: 772-874-3224
💬 Message us anytime with questions about your current Cigna plan or upcoming changes.

Landel Insurance — Here for our clients before, during, and after Open Enrollment.

🚨 Attention Florida Cigna Marketplace Members 🚨

Big changes are coming for 2027 health coverage.

After December 31, 2026, Cigna will no longer offer Marketplace (ACA) Health Plans — leaving thousands of Florida members needing new coverage options.

The good news? You do NOT have to figure it out alone.

At Landel Insurance, we help Florida residents:
✅ Shop & compare ACA Health Plans
✅ Check doctors, hospitals & prescription coverage
✅ Compare premiums, deductibles & benefits
✅ Review subsidy eligibility & savings
✅ Explore alternative Private Health options
✅ Make switching plans simple & stress-free

We partner with top carriers including:
• Ambetter
• Oscar
• UnitedHealthcare
• Molina
• & more

Avoid gaps in coverage and make sure your new plan fits your healthcare needs AND budget.

📞 Call/Text: 772-874-3224
💬 Message us today for a FREE personalized health plan review.

Landel Insurance — Helping Florida families shop smarter for health coverage. 🌴

⚠️ Spirit Airlines Employees — Don’t Wait Until The Last Minute ⚠️

If your COBRA HRA Health Plan is ending on 5/31/26, now is the time to explore your health insurance options.

At Landel Insurance, we help Florida individuals and families shop & compare:

✅ ACA Health Plans
✅ Private Health Insurance Options
✅ PPO & Nationwide Networks
✅ Doctor & Prescription Coverage
✅ Family & Individual Plans
✅ Subsidy Eligibility Assistance

We work with multiple top-rated carriers to help you find coverage that fits your needs and budget — at no additional cost to you.

📞 Call or Text: 772-874-3224
🌐 LandelInsurance.com

We’re here to help make the transition simple, stress-free, and customized for you and your family.

⚠️ Spirit Airlines Employees ⚠️

If your COBRA HRA Health Plan is ending on 5/31/26, now is the time to explore your health insurance options.

At Landel Insurance, we help Florida individuals and families shop & compare:

✅ ACA Health Plans
✅ Private Health Insurance Options
✅ PPO & Nationwide Networks
✅ Doctor & Prescription Coverage
✅ Family & Individual Plans
✅ Subsidy Eligibility Assistance

We work with multiple top-rated carriers to help you find coverage that fits your needs and budget — at no additional cost to you.

📞 Call or Text: 772-874-3224
🌐 LandelInsurance.com

We’re here to help make the transition simple, stress-free, and customized for you and your family.