Ryan Kennelly
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2026 New HSA rules!
The One Big Beautiful Bill Act (H.R.1) was signed into law on July 4, 2025, and implements several important updates to Health Savings Account rules that will open the door for more clients.Big n...
2026 Standard Medicare Part D Benefits
In 2026, the Medicare Part D standard benefit will include a deductible, initial coverage, and catastrophic coverage phases. The deductible will be $615, and the out-of-pocket (OOP) spending limit ...
Does the Affordable Care Act (ACA) cover Zepound?
No, Obamacare (Affordable Care Act) generally does not cover Zepbound (tirzepatide). As of June 2024, the Affordable Care Act (ACA) marketplace plans do not typically cover weight-loss medications ...
Are Dental Expenses Tax Deductible?
Dental costs can add up. Major procedures like dental implants and full-mouth periodontal surgery can cost thousands of dollars. But even regular treatments can be expensive if you don’t have insur...
7 Key Medicare Enrollment Deadlines You Can't Miss in 2025
Missing key Medicare deadlines in 2025 can lead to penalties, higher costs, and gaps in coverage. Here’s a quick guide to the most important enrollment periods you need to know: Medicare Open Enr...
What is the Medicare Part D cap?
Beginning January 1, 2026, people with Part D plans through traditional Medicare and Medicare Advantage plans with prescription drug coverage won’t pay more than $2,100 over the calendar year in ou...
What are the biggest 2025 Medicare Prescription Drug Changes?
2025 Medicare Quotes What is covered by the cap All prescription medications covered by Part D plans are included under this cap, including deductibles, copayments, and coinsurance for covered dru...
Is there a cap on Medicare out-of-pocket expenses?
Medicare Advantage (Part C): In 2025, the out-of-pocket maximum for Part C plans is $9,350 for approved services, but individual plans can set lower limits if they wish.
What's the difference using an Independent Broker vs PEO (ADP, Justworks, Rippiling, Paychex)
Small businesses weighing the costs and benefits of these options often find that buying direct is often the least viable option. Your time is valuable, and navigating health insurance options ca...
What are the best plans for IVF in Illinois?
The BCBSIL Blue Choice Preferred PPO plans cover fertility benefits AND in network with IL fertility doctors. PPO Bronze 701 Bronze 201 B. Standard Bronze 202 Silver 303 Silver ...