Ryan Kennelly
- Total activity 1762
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Activity overview
Latest activity by Ryan Kennelly-
Ryan Kennelly created an article,
Premium Tax Credits for 2027 Marketplace Plans: The Complete Guide
A premium tax credit is the federal subsidy that lowers the monthly premium on a health plan bought through the Marketplace (HealthCare.gov or your state exchange). This guide covers who qualifies ...
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Ryan Kennelly created an article,
Wellcare Is Moving Mounjaro to a New Drug Tier in 2027. What Does That Mean for Me?
Last reviewed October 18, 2026 Wellcare is sending notices to members who take Mounjaro about a change to their 2027 drug coverage. Here is what the notice means in plain English and what you can d...
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Ryan Kennelly created an article,
What is the Medicare birthday rule? Medigap switching rules by state (2027)
The Medicare birthday rule is a state law that gives people who already own a Medicare Supplement (Medigap) policy a short window around their birthday each year to switch to another Medigap plan w...
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Ryan Kennelly created an article,
Do Medicare Advantage (MAPD) plans cover urgent care out of state?
Yes. Every Medicare Advantage plan, including MAPD plans with drug coverage, must cover urgent care and emergency care anywhere in the United States and its territories. It does not matter whether ...
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Ryan Kennelly created an article,
What percent of doctors accept Medicare assignment in Texas and Illinois?
About 9 out of 10. In the Medicare enrollment data CMS publishes for Care Compare (the Doctors and Clinicians national file, updated August 2026), most Medicare-enrolled clinicians in both states a...
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Ryan Kennelly created an article,
ICHRA vs QSEHRA: Which Is Right for Your Business?
The short version: A QSEHRA is a small-business tool with a dollar cap and one set of rules for everyone. An ICHRA has no cap and no size limit, and lets you set different allowances for different ...
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Ryan Kennelly created an article,
Are Subsidies Going Away in 2027?
Affordable Care Act (ACA) enhanced premium tax credits expired at the end of 2025 and remain unavailable for 2027. Enhanced premium tax credits were introduced in 2021 and extended through the end...
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Ryan Kennelly created an article,
Why Did the 2027 ACA Affordability Percentage Jump to 10.22%?
Short answer: the IRS just set the 2027 ACA "affordability percentage" at 10.22%, the highest it has ever been. This one number does two jobs at once: it caps what someone earning 300%–400% of the ...
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Ryan Kennelly created an article,
I'm turning 65 but have to pay a premium for Part A. Can I sign up for a Marketplace plan instead?
Short answer: Yes. If you are turning 65 and are not entitled to premium-free Part A because you have not worked 40 quarters, you can buy a Marketplace plan, and you can get premium tax credits to ...
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Ryan Kennelly created an article,
How can someone over 65 get health insurance if they never worked in the U.S.?
Short answer: Yes. Someone over 65 who never worked in the United States can almost always get coverage, but usually not for free. There are three realistic paths: buy into Medicare (if they are a ...