Annual enrollment for January 1, 2027 plan changes.
NYC INDEPENDENT INSURANCE BROKER
Vincent
Guglielmo.
Guidance for ACA Marketplace coverage, Medicare, Medigap, dental, and supplemental coverage. Free consultations.
2027 COVERAGE PLANNING
Enrollment season is approaching.
Review the coming year’s coverage, networks, prescriptions, and costs before making a decision.
Closing dates and coverage effective dates depend on the exchange.
WHAT I DO · FREE CONSULTATIONS
Marketplace health insurance
Qualified Health Plans (QHPs) through the ACA Marketplace, often called Obamacare.
What we can review
Premiums, financial assistance, doctor networks, prescriptions, enrollment periods, and changes to your household or income. Marketplace account or application work requires documented consent.
Medicare & Medigap
General education and intake for Medicare Advantage, prescription drug plans, and Medicare Supplement insurance.
Coverage options
Available plans and enrollment options depend on location, eligibility, coverage year, current certification, carrier authorization, and local product availability.
Coverage transitions
General help understanding notices and next steps when employer coverage, Medicaid, Marketplace coverage, or Medicare eligibility changes.
Limits of this help
Government agencies determine eligibility. Exchange access, plan-specific advice, and enrollment assistance require the applicable consent, certification, authorization, and service-area availability.
Dental & ancillary coverage
Additional coverage for needs that a primary policy may leave out.
Additional products
Dental, vision, hospital indemnity, and other supplemental or fixed indemnity products. Benefits, exclusions, and limits require careful review. Indemnity coverage supplements major medical insurance; it does not replace it.
Medicaid transitions
Limited guidance on renewals, notices, documentation, and next steps when coverage changes. State agencies make Medicaid eligibility decisions.
Understand Medicaid and coverage transitions
KENTUCKY ROOTS. NEW YORK HOME.
Insurance became personal.
A workplace injury in November 2022 led to approximately three and a half years navigating workers’ compensation. That experience became the foundation of an independent insurance career.
Today, the work connects a New York home with strong ties to Kentucky and the surrounding region.
The person behind the practiceWHERE I’M LICENSED
Licensed in twelve states.
Kentucky
New York
Resident state
Indiana
Virginia
New Jersey
Ohio
Michigan
New Mexico
Georgia
South Carolina
Texas
West Virginia
New York is the resident state. Product availability and authorization are confirmed before plan-specific assistance.
START WITH THE BASICS
Questions before coverage.
Medicare, Obamacare, HSAs, enrollment penalties, and special needs plans explained without the alphabet soup.
Education & FAQTHE JOURNAL
Experience, explained.
PERSONAL EXPERIENCE
If commercial insurance feels like purgatory, try workers’ comp.
Three and a half years without a settlement check changed the way I understood insurance, independence, and the value of good representation.
Read articlePROFESSIONAL ROLES
Broker, agent, producer: the title should explain the relationship.
Independent does not mean unlicensed, producer is not a junior rank, and a broker’s home address does not determine the role.
Read articleCOVERAGE TRANSITIONS
Medicaid in 2027: read the notice before assuming the next step.
New requirements affect some adults, exemptions matter, and losing Medicaid does not automatically guarantee subsidized Marketplace coverage.
Read articleLET’S TALK
Start with a free consultation.
Insurance services are provided by Vincent Guglielmo or another appropriately licensed insurance producer, each acting in the producer’s individual licensed capacity.
vinnytheinsuranceguy@protonmail.comText the Kentucky numberLinkedInText messages and email are preferred. A good old-fashioned phone call is always welcome.
Direct contact is required. Referrals are appreciated, but the referred person must initiate contact. A referral alone does not authorize contact.
Consultation Intake Form
Submission requests a response by the selected contact method. Permission may be withdrawn at any time. Do not submit health information, medical records, Medicare beneficiary identifiers, Medicare numbers, Social Security numbers, payment details, or other sensitive information through this form. Read the Privacy Policy.
Medicare appointments & Marketplace consent
A Scope of Appointment is required before a personalized consultation about Medicare Advantage or Part D plan options, including by phone, video, or in person. General educational questions do not require one. The intake form permits a response and does not authorize enrollment.
Medicare Scope of AppointmentChoose the types of coverage you want to discuss.Marketplace Client ConsentRequired before HealthCare.gov account, application, enrollment, or financial-assistance work. State-based Marketplaces may use their own authorization process.
Before any Marketplace application or update is submitted, the applicant must separately review the eligibility information and confirm that it is accurate. The intake form and the Marketplace Client Consent Form do not replace that separate confirmation.
Neither linked form is required for a general educational inquiry. Plan-specific assistance is provided only after applicable licensing, annual certification, exchange registration, carrier authorization, and local product availability are confirmed.
BUSINESS MAILING ADDRESSArtemis Agent Services LLC
350 Canal Street, Suite 2A #123 · New York, NY 10013
350 Canal Street, Suite 2A #123 · New York, NY 10013
Do not submit health information, medical records, Medicare beneficiary identifiers, Medicare numbers, Social Security numbers, payment details, or other sensitive information through this form or in general inquiry emails. Privacy Policy
Medicare information
We do not offer every plan available in your area. This website does not publish plan-specific Medicare Advantage or Part D recommendations. Plan-specific assistance is provided only after current authorization and local availability are confirmed. For information about all options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.