Recent coverage
10 Tampa Bay (WTSP), live TV
As Florida health insurance premiums go up, some people consider a private plan
A live interview on the 11pm news about double digit premium increases in Florida and why more people are looking at private health plans.
The Washington Post
Here’s how to avoid losing your Affordable Care Act subsidy
How married couples can stay under the subsidy cliff, why lowballing projected income backfires, and a tax deduction people who work for themselves often miss.
Florida Phoenix
It’s here: 2027 Obamacare enrollment
Why more Floridians are asking about health plans outside the marketplace as 2027 open enrollment begins.
Zion HealthShare
Rising health costs for farmers and people who work for themselves
How farm families and 1099 workers can check their income estimate before giving up subsidy help, and why delaying care to save on premiums is risky.
Short bio
Carson Hornish is an independent health insurance broker and the founder of Carson Health Advising, based in Tampa, Florida. He is licensed in every state (NPN 21581721) and is certified with Georgia Access, Georgia’s state exchange. He compares ACA marketplace plans and private health plans for individuals, families, and people who work for themselves, and his clients rate him 5.0 on Google.
Topics I can speak on
A sample of what I can help with. If your story touches health coverage or life insurance, just ask.
Marketplace and subsidies
- The ACA subsidy cliff and what happens above 400 percent of the poverty level
- Income estimates, raises, and paying subsidies back at tax time
- Open enrollment, special enrollment, and missed deadlines
- Bronze, silver, and gold plans, and when cheaper costs more
- Insurers leaving the marketplace for 2027 and what affected people should do
- State exchanges versus HealthCare.gov, including Georgia Access
Coverage outside the marketplace
- Private PPO plans and how they differ from ACA plans
- Health care sharing plans, fixed indemnity, and short term plans, and their risks
- Self funded and level funded plans for small business owners
Life changes
- Coverage for people who work for themselves, gig workers, farmers, and 1099 workers
- Losing a job, COBRA, and coverage between jobs
- Marriage, a new baby, or adding a spouse to a plan
Everyday costs and choices
- Deductibles, copays, and out of pocket maximums explained
- Doctor networks, HMO versus PPO, and keeping your doctor
- Prescription drug costs and plan formularies
- Dental and vision coverage for adults
Life insurance
- Term life for families and mortgage protection
- Final expense and no exam life insurance
- Living benefits riders
The broker business
- How brokers are paid, and what to ask before trusting one
- Impostor websites and scams that target health insurance shoppers
Headshot
You’re welcome to use this photo with any story that quotes me. Download the headshot (820 by 820 pixels, JPG). Please credit it to Carson Hornish.
How to reach me
Email carson@carsonhealthadvisor.com with your deadline and I’ll get back to you fast. If you link to me in your story, please use carsonhealthadvisor.com. You can learn more about me on my About page.