Joshua Day

Director at Candor Insurance

Switching from Captive to Independent Insurance Agent: A Success Story

  Call me crazy.   I had built a nice business – and was earning a good living – as a captive insurance agent. After five years, though, I took…

What Are the Differences Between an HMO, PPO, EPO, and POS Plan?

  Before taking a closer look at the four major types of health plans you can purchase through Candor Insurance, let’s clear one thing up: POS does not stand for the “piece…

Why Chatbots Are The Future Of Health Insurance Exchange Customer Service

  People have always had mixed feelings about digital assistants, ever since the paperclip known as Clippy debuted in early versions of Microsoft Office.   Clippy may have been useful…

Looking To The Future: Why Agencies Must Go Digital

  It’s easy to downplay the importance of a younger demographic group. “Baby boomers” was often used as a dismissive term decades ago, and now it’s common to hear people…

FSAs and HSAs: What Are They, And Why Should You Use Them?

  Let’s tackle the second question first. If you’re eligible, you should use an FSA or an HSA because they can help you pay unexpected medical bills – and can help you save on your…

The 2018 Health Insurance Open Enrollment Period: Your Complete Guide

  There are three ways that people buy or receive health insurance: through their employer, through government marketplaces set up under the Affordable Care Act (also known as Obamacare), or…