Stephany Salinas
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Get Covered Illinois Extends Deadline for January 1 Coverage
Good news for Illinois residents shopping for health insurance: Get Covered Illinois has officially extended the deadline to enroll in a plan with a January 1, 2026 start date to December 31, 2025....
What are the biggest 2026 Medicare Prescription Drug Changes?
The biggest 2026 Medicare prescription drug changes include the debut of Medicare-negotiated prices for 10 high-cost drugs, an increase in the annual out-of-pocket cap for Part D plans to $2,100, a...
Are Subsidies Going Away in 2026?
Affordable Care Act (ACA) enhanced premium tax credits are set to expire at the end of this year. Enhanced premium tax credits were introduced in 2021 and later extended through the end of 2025 by...
Why the Government Shutdown Matters for Health Care
A government shutdown occurs when Congress fails to agree on legislation to fund federal operations. This year’s shutdown has less to do with whether the government should stay open, and more to do...
Major STM Market Shift: How to Leverage the Return of Year-Long Plans
Big Changes in the Short-Term Medical MarketThe short-term health insurance market has taken a major turn. With the latest CMS update on Short-Term, Limited-Duration Insurance (STLDI), 12-month STM...
Comprehensive Overview of Medicare Coverage
Navigating Medicare can seem complex, but understanding its components is essential for making informed healthcare decisions. Here's a breakdown of Medicare's parts, enrollment periods, associated ...
Can COBRA notices be emailed instead of mailed?
Yes, COBRA notices can be emailed instead of mailed, but only if strict conditions are met. Here's the official breakdown: Under federal COBRA rules (from ERISA and the DOL regulations), electron...
Can I use HSA funds to pay for my Emotional Support Animal?
Our emotional support animals are not only adorable companions that brighten our days, but they also hold a special place in our hearts. However, when it comes to using HSA funds, the IRS has se...
Open Enrollment 2026 Key Dates
The dates for Open Enrollment can be a little confusing, so below is a breakdown of key dates for Open Enrollment 2026. The Marketplace Open Enrollment Period generally runs from November 1st ...
Understanding The Different Types of Insurance
Many individuals may get employer-based insurance policies. However, the policies may be out of budget for some. Therefore, they turn to the Affordable Care Act Market Exchange if they do not hav...