25 million+ Americans have been moved off Medicaid since April 2023. Most were “procedural disenrollments” — paperwork problems, not eligibility. If you lost coverage and it’s within 60 days, your Marketplace SEP is open right now.
The Medicaid Unwinding Aftermath — Where the 25 Million Landed Read Post »
New federal Marketplace rules compressed the Open Enrollment window to roughly six weeks — November 1 to December 15 in most states. Auto-renewal isn’t the safety net it used to be. Here’s what changed and how to plan around it.
Open Enrollment Just Got Shorter — Nov 1 to Dec 15 in Most States Read Post »
Licensing is one layer. Carrier appointments are another. What the carrier’s app will actually let me quote you is a third. Here’s where all three line up right now — across every state I’m licensed in and the ones I’ll happily add.
What Health Insurance Actually Looks Like in Every State — A 50-State Guide Read Post »
The federal default for Short-Term Medical is back to 12 months renewable up to 36 months total — but your state can override that. Here’s the 2026 map, and why it matters if you’re above the ACA subsidy line.
Short-Term Medical Duration Laws Are Changing — Your State Matters More Than Ever Read Post »
The enhanced premium tax credits that softened ACA premiums from 2021 to 2025 expired on December 31. For 2026 coverage, the 400% FPL cliff is back — and the difference can be hundreds of dollars a month.
The ACA Subsidy Cliff Is Back — and Most People Don’t Know It Read Post »
A new $2,100 Part D out-of-pocket cap, higher IRMAA brackets, and Medicare Advantage benefits getting quietly thinner. Here’s what actually changed for 2026 — and what to do about it before AEP closes.
Medicare Advantage 2026 — What Changed and What to Do About It Read Post »
