Plain-English guides from Hugo Scamarone, licensed insurance agent serving South Florida, North Carolina, and Michigan since 2013.
Use the DIME formula to calculate your exact coverage number — based on your income, mortgage, debts, and family situation.
Read Guide →A clear side-by-side comparison of term and whole life insurance — costs, benefits, and who each type is best for.
Read Guide →Lost your job? Self-employed? Here's how to choose between ACA Marketplace plans and short-term health coverage.
Read Guide →Everything you need to know about burial insurance — what it covers, how much it costs, and who qualifies.
Read Guide →Turning 65? Here's a Florida-specific comparison of Medicare Advantage and Medigap Plan G — with real costs and examples.
Read Guide →Self-employed in Florida? Learn your ACA marketplace, short-term, and health sharing options — plus how to deduct 100% of premiums from your taxes.
Read Guide →Use the DIME formula to calculate the exact coverage your family needs — and learn why both parents (including stay-at-home parents) should be insured.
Read Guide →Lost your job? You have 60 days to make the right call. Here's a side-by-side cost comparison and exactly what to do first.
Read Guide →Most diabetics qualify — often at competitive rates. Learn how A1C levels affect your premium and which policy type fits your situation.
Read Guide →No employer benefits? Here are your real options as a gig worker — and how to use your mileage deductions to lower your premium.
Read Guide →Skip the blood draw. Compare accelerated underwriting, simplified issue, and guaranteed issue — and find out which one fits you.
Read Guide →You only need 2 employees to qualify. Learn what group plans cost, the tax advantages, and how to set one up without the headache.
Read Guide →Divorce changes everything. Here's your complete insurance checklist — health coverage, beneficiary updates, and new life insurance needs.
Read Guide →Hypertension doesn't have to mean high premiums. Learn what blood pressure readings qualify for preferred rates and how to time your application.
Read Guide →Green card holder, visa holder, or DACA recipient? Most non-citizens qualify for U.S. life insurance. Here's exactly what's available to you.
Read Guide →Everything Florida residents need to know about ACA marketplace coverage in 2026 — subsidies, enrollment windows, and how to pick the right plan.
Read Guide →A Miami-area guide to life insurance: term vs. whole life, sample rates by age, and why South Florida families have even more at stake financially.
Read Guide →Todo lo que necesitas saber sobre el seguro médico en Florida — ACA, subsidios, períodos de inscripción y cómo elegir el mejor plan. En español.
Leer Guía →Rates by age, which policy types work best over 50, how health conditions affect underwriting, and why waiting costs more than people realize.
Read Guide →The 10 essential health benefits, common exclusions, deductibles vs. copays vs. coinsurance — everything you need to read a policy clearly.
Read Guide →Fort Lauderdale, Hollywood, Pembroke Pines and beyond — available ACA carriers, subsidy eligibility, and local tips for Broward County residents.
Read Guide →Clear comparison of ACA marketplace plans and Florida Medicaid — who qualifies for each, what each covers, and what to do if you fall in the coverage gap.
Read Guide →Licensed insurance agent since 2013, serving families across South Florida, North Carolina, and Michigan. Hugo specializes in life insurance, health insurance, Medicare, and final expense coverage — with a focus on getting families the right coverage at the best rate.
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