Phil Hamblin

Health broker who promotes healthy living through more than just insurance.

Food Theory

Welcome to Food Theory

The purpose of this blog is to study food in all it’s aspects, from nutrition, cooking techniques, meal prep, ingredients, and anything else food related that comes to mind.   I really started to getting interested in cooking about ten years ago when I was watching Chopped. You know, it’s that show that pits four […]

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Why We Sleep

Why We Sleep

These days people are praised for lack of sleep, as if it’s proof of an important, busy life. While it may be a sign of busyness, it may be a key hinderance, rather than an aid to success. There are several reasons people get less sleep these days, but the impact of lack of sleep

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Health Sharing

A Primer on Health Sharing Plans

There is an option for healthcare coverage that is gaining in popularity among Americans that might seem new, but it’s not. This category of coverage has been around for decades, but hasn’t been so much in the public eye as they have been since health insurance premiums have risen sharply in the last five years.

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Open Enrollment

Open Enrollment is Close!

Open Enrollment is Close! Read More »

a guide to big city life love

Good Individual Health Coverage is Hard to Come By.

Individual health insurance is in a rough spot these days. Premiums, deductibles and out-of-pocket maximums are very high and doctor and facility networks are getting thinner by the month as providers are opting out of many individual plans. Some states have been hit worse than others. Some counties have only one ACA qualified plan and

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Two Essential Tools

Two Essential Tools Read More »

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Your Employees are Hurting

     If you don’t provide health insurance to your employees it’s probably because you’ve decided you just can’t afford it. While it’s true that groups aren’t always cheaper there is another really important thing to consider. There is a dramatic difference between individual health insurance and group health insurance, and now more than ever. Here are

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Overspending On Insurance

Overspending On Insurance Read More »

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A Health Insurance Audit

As you think about your health insurance coverage it’s important to know that one size definitely does not fit all. In my experience, most people sign on with a company and take what they’re given, regardless if it fits or not. When I work with a client, my goal is to customize her plan to

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Options

You Still May Have Options

The Open Enrollment period for most health plans has ended, but if you’re healthy and don’t have coverage, or just want better coverage, there are still options available. You might consider an annual plan, otherwise known as Short Term Medical insurance. It’s a major medical policy, often with $1 million in coverage, available with or

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