by Joseph Covell | Dec 14, 2025 | Health Insurance, Uncategorized
The Deadline for January 1st Health Insurance Coverage is Here! December 15th is Monday and is the deadline to enroll in or change coverage for a January 1 effective date through Pennie, Healthcare.gov, Maryland Health Connection, Virginia’s Insurance Marketplace,...
by Joseph Covell | Dec 14, 2025 | Health Insurance, Uncategorized
Health Savings Accounts, Expanded Bronze Plans, and What Actually Changes in 2026 TL;DR Beginning in 2026, certain Expanded Bronze and Catastrophic plans offered through ACA marketplaces can be treated as HSA compatible, even if their benefit design would not have...
by Joe Covell | Nov 1, 2025 | Health Insurance, Uncategorized
Open Enrollment 2026: A Season of Massive Change The term “unprecedented year” has been overused, yet here comes 2026 bringing extreme changes once again. Not only is this another challenging year for Medicare Advantage and Part D plans, but now Affordable Care Act...
by Joseph Covell | Oct 12, 2025 | Health Insurance
Alternatives to the Affordable Care Act Whether it’s because the Open Enrollment Period was missed or the cost of Affordable Care Act plans is simply too high for the budget, there are choices available when it comes to ACA alternatives, or as some misleadingly pitch...
by Joseph Covell | Sep 18, 2025 | Health Insurance, Medicare, Uncategorized
What Even Is Blue Cross & Blue Shield, Anyway? Few people fully understand how Blue Cross Blue Shield (BCBS) operates. Essentially, it works like a franchise, similar to brands like Dunkin’ Donuts. Independent companies serve specific regions while following...
