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 Joe Covell | Oct 20, 2025 | Medicare, Uncategorized
Annual Enrollment Period (AEP) 2026: The Shift Away From PPO Networks? Plan year 2025 marked the end of the long standing “donut hole” or coverage gap that affected many Medicare beneficiaries for years. The Inflation Reduction Act established a $2,000 out of pocket...
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...
by Joseph Covell | Nov 11, 2023 | Medicare, Uncategorized
Comparing Medicare Supplement Plans: Plan G vs Plan N Medicare Supplement Plans, also known as Medigap, are private health insurance plans designed to address the gaps in coverage provided by Medicare. These plans offer financial predictability by covering copays,...
