📘 Start Here: Health & Life Insurance Guide
Course 1 of 12 · Start here to compare health insurance and life insurance options, meet licensed broker Brandon Whittier, and find the right course for your family in 30 seconds. Free.
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🏥 Health Insurance Basics: Deductibles & Networks
Course 2 of 12 · How health insurance works: premiums, deductibles, copays, coinsurance, out-of-pocket max, HMO vs PPO networks, HSAs, and how to read a plan summary.
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🗓️ Open Enrollment 2027: Dates & Deadlines
Course 3 of 12 · Open enrollment 2027 dates, deadlines to switch plans, special enrollment after a baby, move or job loss, why 2027 renewals cost more, and a prep checklist.
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🏛️ Obamacare Marketplace Plans & Tax Credits
Course 4 of 12 · Obamacare and ACA Marketplace plans: who qualifies for tax credits, Bronze vs Silver vs Gold, Silver discounts, Medicaid & CHIP for kids, and the 400% income cliff.
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🌐 Private Health Insurance for Families
Course 5 of 12 · Private health insurance that can cost less than full-price Obamacare for healthy families, self-employed and 1099 workers, and small businesses. Who qualifies and how.
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🛡️ Hospital Indemnity & Accident Insurance
Course 6 of 12 · Hospital indemnity, accident and critical illness insurance that pays you cash for a hospital stay, injury or diagnosis. How payouts and claims work. Not full health insurance.
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🦷 Dental Insurance for Implants, Vision & Hearing
Course 7 of 12 · Dental insurance for crowns, implants and braces, why yearly maximums fall short, plus vision insurance for glasses and hearing aid coverage.
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🏡 Life Insurance & Mortgage Protection
Course 8 of 12 · Term life insurance, whole life, mortgage protection insurance, living benefits, life insurance with health conditions, and how much coverage your family needs.
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🩺 Insurance With Pre-Existing Conditions
Course 9 of 12 · Health and life insurance with pre-existing conditions like diabetes, cancer, heart disease and high blood pressure, saving on prescriptions, and lowering hospital bills.
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🏢 Employer Health Insurance, Family & COBRA
Course 10 of 12 · Employer health insurance explained: high-deductible work plans, the cost of adding a spouse and kids, the family glitch, and cheaper COBRA alternatives when you leave a job.
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⚖️ Surprise Medical Bills & Claim Appeals
Course 11 of 12 · Your rights against surprise medical bills, how to appeal a denied health insurance claim, network bill discounts, state rules, and Brandon's license and privacy promise (NPN #20140109).
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🗺️ Health Insurance by State & Real Examples
Course 12 of 12 · Health insurance and life insurance tips for North Carolina, Iowa, Indiana, Missouri, Nevada, Oregon, Tennessee and Wisconsin, plus real before-and-after family examples.
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Admin & Legal
Official Privacy Policy, Terms of Service & Licensing Disclosures for Skye Shape Academy. Operated by Brandon Whittier, Independent Licensed Health & Life Insurance Broker (NPN #20140109 | Licensed in NC, IA, IN, MO, NV, OR, TN & WI). Content is for general educational purposes only and is not medical, tax, or legal advice. Rates and eligibility vary by carrier, state, and underwriting. Not affiliated with any U.S. government agency. Do not post personal health info in public posts.
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🧰 Members Toolkit
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