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    Why Slowing Down During Open Enrollment Is a Good Idea

    January 5, 2024
    During the busy open enrollment period, health insurance agents often find themselves racing against the clock, trying to assist as many clients as possible. However, this rush to move from one client to the next, though seemingly efficient, might not always be the most effective approach. Slowing down and investing more time in each individual client interaction can provide significant benefits for both the client and the agent. Here are a few reasons why:
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    The AEP Is Over, But There’s Still Plenty to Do

    December 20, 2023
    As we wave goodbye to the Annual Election Period (AEP) for Medicare Advantage and Part D plans, which concluded on December 7, you might be tempted to wind things down and enjoy the holidays. And while it is important to take a breather and spend time with loved ones in the coming weeks, it's also important to recognize that there’s still plenty of work to do. While the AEP is the busy time of year for many of us, the close of this period brings with it new opportunities, particularly in the individual market.
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    Surviving the Fourth Quarter Frenzy

    November 30, 2023
    For agents and brokers, the fourth quarter of the year—marked by countless renewals, new enrollments, and client interactions—can feel like a whirlwind. With the overlap of the Annual Election Period for Medicare beneficiaries, the individual open enrollment period, and the most popular renewal time for group clients, managing time effectively and maintaining efficiency becomes crucial. So how can agents navigate this busy season, ensuring they meet their clients' needs without compromising their own well-being?
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    Premium Tax Credit Calculators

    November 16, 2023
    If you sell individual health insurance plans, then you no doubt know about the enhanced premium tax credits available through the end of 2025. During COVID, the tax credits were increased and the subsidy cliff (the 400% income level after which tax credits are not longer available) was eliminated for two years; these enhanced credits were later extended for an additional two years.
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    Finding the Best Medicare Plan for Your Clients

    November 10, 2023
    The Annual Election Period (AEP) is an important time of year for both insurance agents and the clients they serve. The AEP provides clients with an opportunity to review, assess, and make informed choices about their Medicare Advantage and Medicare Part D plans. Unfortunately, many clients view this more as a chore than an opportunity because they are bombarded with ads on TV and by mail and the number of options can make the entire process seem overwhelming.
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    Individual Plan Offerings in 2024

    November 3, 2023
    As you probably know, 2023 saw the introduction of several “standardized” individual health plans designed by the Department of Health and Human Services (HHS). The 2023 Marketplace Rule from HHS required health insurers to offer “standardized QHP options designed by HHS at every product network type…, metal level, and throughout every service area that they offer non-standardized QHP options.” At the time, HHS “did not propose to limit the number of non-standardized plan options that issuers can offer but noted that” the Department would consider “whether it would be appropriate to do so in a future plan year.”
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    DACA Recipients Could Soon Be Eligible for Premium Tax Credits

    October 13, 2023
    There are more than 800,000 DACA recipients in the United States. DACA, which stands for Deferred Action for Childhood Arrivals, was created by executive order during the Obama Administration and allows certain undocumented individuals who came to the United States as children to temporarily stay in the country, obtain work permits, and be protected from deportation.
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    Medicare Part D Premiums and Out-of-Pocket Limits for 2024

    September 1, 2023
    As we head into the Annual Election Period (AEP), there are several big changes to the Medicare Part D prescription drug program that you will want to make sure your clients know about.
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    Changes to Medicare Effective Dates

    August 18, 2023
    We want to point out a couple big changes to the Medicare effective dates for people who sign up during their Initial Enrollment Period (which begins three months before the month they turn 65 and ends three months after they turn 65) or during the General Enrollment Period (January 1 – March 31 each year). These changes went into effect beginning in 2023 and are detailed on this page of the Medicare.gov website.
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    HSA and ACA Limits for 2024

    August 10, 2023
    The Internal Revenue Service has announced the 2024 deductible, out-of-pocket, and contribution limits for Health Savings Accounts (HSA). Here they are:
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