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 »
