Florida regulators posted an average 10.4% approved rate change for next year’s individual plans, before tax credits. What you actually pay depends on your tax credit, and the biggest swing is for households just over 400% of the poverty level. Three Florida household examples, the subsidy cliff in plain English, and what to check when Open Enrollment opens November 1.
A step by step walkthrough of the Instant Health Help quote tool using a real example (35, male, non-smoker, $40k, ZIP 32837). We label every part of the results page and explain premium, deductible, copay, coinsurance, and out-of-pocket max in plain English.
Medicare is sending a one-time rebate toward the October Part B premium, but only to some people. If you have Original Medicare Part B, live in the U.S., do not get Medicaid help with your premium, and do not pay the income-related surcharge, it is for you. Medicare Advantage members are not eligible. Here is a four-question self-check, how the payment arrives, and how to spot a scam.
Got a letter saying your Medicare Advantage plan won’t be back next year? Keep it. Here is what the letter means, your calendar (choose by December 7, or use the extra window from December 8 to the end of February), what happens if you do nothing, and your Medigap rights in Florida.
HSA, FSA, HRA, ICHRA, QSEHRA and Medicare MSA side by side: who owns each account, who can contribute, the current IRS limits, what happens to unused money, and how each one works with a Marketplace plan or Medicare.
Ocala and Marion County are home to many retirees. Medicare annual enrollment runs October 15 to December 7, and here is what Ocala, Belleview, Dunnellon, and Silver Springs Shores residents should review, plus tips if you moved here from up north or split the year.
Self-employed Marketplace income is hard to guess when every month looks different. Here is how freelancers, gig drivers, and small contractors in Tampa, St. Petersburg, Clearwater, and Brandon can build a realistic estimate for coverage starting January 1, what HealthCare.gov counts, and what to do when the year does not go as planned.
Myth: the fall Medicare Annual Enrollment Period is when you buy a Medigap policy. Fact: your Medigap open enrollment period is a one-time 6-month window that starts the first month you are 65 or older and have Part B. It does not come back every year. Here is how the clock works for Florida families, what it protects, and what to check before AEP mail piles up.
Snowbird health insurance in Palm Beach County comes down to two questions: who in your household is on Medicare, and which state you actually live in. Here is how Marketplace residency works for seasonal residents, when a move opens a Special Enrollment Period, why a Marketplace plan does not follow you across state lines, and what to check before you switch states.
Medicare Advantage plan changes for next year are already in your plan’s notice. Before Annual Enrollment opens October 15, check these 5 things: extra allowances like dental and OTC, the Part B premium reduction, copays and the out-of-pocket max, your doctors and network, and whether your plan is ending or being merged. Some plans changed; check yours.
