Hey everyone!   Open Enrollment 2025: What You Need to Know for 2026 Coverage   “Hi, this is your friendly reminder that Open Enrollment is about to start… please hold while we explain things that might change your life—or at least your premiums!”  Open Enrollment for health coverage through the Affordable Care Act (ACA) begins November 1, 2025 , and runs through January 15, 2026 . This is your chance to enroll in a new plan or update your current coverage.   Key Dates  Nov

The OPEN ENROLLMENT PERIOD for enrolling in new Marketplace plans begins November 1st and runs through January 15th, 2026 OPEN ENROLLMENT...

Medicare Annual Enrollment Period starts on October 15 and runs through December7th.   This is for people who have a Prescription Drug...

We’re committed to providing you with the best possible experience —not just during open enrollment or when you have questions, but all...

Several deceptive strategies have been identified in the promotion of Special Needs Advantage Plans (SNPs). You may be getting an...

I had the pleasure of attending a Medicare specific conference last month and after absorbing a lot of information from agents, insurance...

1.   Planning for the Future: How to Choose the Right Health Insurance Plan Choosing the right health insurance plan can be tedious and...

Medicare Enrollment Periods are specific windows of time that allow you to enroll in Medicare or a Medicare Plan.  If you miss the...

An ancillary product is an add-on insurance that works with your main insurance to offer additional financial support to help offset...

Marketplace/Affordable Care Act (ACA) SEPs:  ACA Special Enrollment Periods (SEPs)   allow individuals and families to enroll in, change,...

When will I be billed or charged for my plan?   Most carriers don’t charge for their plans until the beginning of January, after new...

I missed the enrollment period and didn’t change my Medigap plan, do I have to wait until the next Annual Enrollment Period?   If you are...

How can they offer insurance with no premium?   While you do not have a premium to pay, you do have cost sharing in the form of ...

For many, the new year means a new insurance plan. Familiarize yourself with some common insurance terms. Understand what these terms...

One of the unintended consequences of the new Part D rules is how it may affect those who are over 65 and have opted to stay in their...

It's been awhile since we've offered a new product, and we are excited to have an alternative to high-cost ACA, limited short-term...

WHY WILL THIS AEP BE DIFFERENT? As you have probably heard, there are big changes  to 2025 drug plans as carriers adjust to their...

The big news is that there will be a $2,000 cap on out-of-pocket spending on Part D plans.  This includes Advantage plans, however they...

We get lots of questions at this time of year about this, so let's discuss Part D prescription drug coverage and the "donut hole" in...

It’s becoming more and more common for people to delay retirement until long past the age of 65 while actively working and often stay on...