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    When can individuals waive group coverage and get a subsidy?

    November 5, 2021
    Under the American Rescue Plan Act (ARPA), the premium tax credits were increased for individuals at all income levels and the “subsidy cliff” at 400% of the federal poverty level was eliminated through the end of 2022. We discuss how substantial the enhanced premium tax credits are in our June 25 blog post.
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    CMS Fact Sheet Helps Clients Determine Whether to Enroll in Medicare

    October 29, 2021
    The annual election period for Medicare Advantage and Medicare Part D plans began on October 15, and with more people working past age 65, you may run into some individuals who are trying to determine whether they should sign up for Medicare or stay on their employer-sponsored health plan. To help them make that decision, CMS has created a checklist-style “Fact Sheet” that you may want to share with them.
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    This Year’s Open Enrollment Period Could Be Big

    October 21, 2021
    This year has flown by. We’re only weeks away from the start of another open enrollment period in the individual market, and all signs are pointing to this being a big one. Are you ready?
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    HSA Limits for 2022

    October 14, 2021
    The Internal Revenue Service has announced the 2022 deductible, out-of-pocket, and contribution limits for Health Savings Accounts (HSA). Here they are:
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    Medicare Provides Relief for Many Seniors

    October 8, 2021
    Nobody likes getting older. In fact, many of us dread our birthdays, reasoning that there’s nothing to look forward to after age 21. At 40 we’re “over the hill”; at 50 we get our invitation to join AARP; and at 62 we’re eligible for Social Security, which would be nice if it wasn’t also referred to as “Old-Age, Survivors, and Disability Insurance.”
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    Open Enrollment Extended to January 15

    September 29, 2021
    You may have heard the rumors, but now it’s official: the open enrollment period in the individual market has been extended to January 15 in states that use the Federally-Facilitated Marketplace (Healthcare.gov). The new end date was announced by CMS in a September 17th update to the 2022 Notice of Payment and Benefit Parameters.
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    Life Insurance Sales Are Up

    September 24, 2021
    In several recent posts, we’ve written about opportunities agents have to increase their life insurance sales. Here are a couple: Why You Should Be Selling Life Insurance to Millennials Health Insurance: A Need for Immigrants, An Opportunity for Agents In these articles, we’ve explained that the COVID-19 pandemic has caused many people to re-evaluate their insurance needs, including the need for life insurance.
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    Do your clients ask you about car insurance?

    September 17, 2021
    Most agents want to provide accurate information to their clients. That makes sense. After all, we are the trusted advisors that clients rely on to learn about their insurance needs, evaluate the options they have to satisfy those needs, and purchase the insurance products that provide the best coverage at the most affordable price. It’s difficult to provide sound advice if we’re not confident in our level of understanding.
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    Travel Insurance Now a Requirement

    September 10, 2021
    It’s always a good idea to purchase travel health insurance when venturing outside the United States. Why? Because, without it, travelers may find that they only have coverage for medical emergencies, and those can be both very costly and a huge hassle.
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    Dental and Vision Coverage Could Be Added to Medicare

    August 26, 2021
    It’s far from a done deal, but the $3.5 trillion reconciliation bill Democrats in Congress hope to pass could expand Medicare to include dental and vision coverage. As Fierce Healthcare explains, “an expansion of benefits for Medicare has been a longtime priority for Democrats and Schumer, who tweeted in June that the lack of those benefits leaves a ‘gaping hole’ in Medicare coverage.”
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