Understanding Essential Health Benefits and Preventive Care Under the ACA
The Affordable Care Act (ACA) requires all marketplace plans to cover a set of 10 essential health benefits. These benefits ensure that your insurance provides comprehensive coverage across a range of medical services[38]. The 10 Essential Health Benefits All ACA plans—whether bronze, silver, gold or platinum—must include coverage for the following categories[39]: Marketplace plans must […]
Preparing for 2026 Open Enrollment: Dates, Tips and Key Changes
Open enrollment is the time each year when you can sign up for or change health coverage for the coming year. For 2026 there are separate enrollment windows for Medicare and the ACA Marketplace, and there are several important changes to be aware of. ACA Marketplace Open Enrollment Medicare Open Enrollment Key Changes Affecting 2026 […]
What Happens if Enhanced Premium Tax Credits Expire?
Enhanced premium tax credits (ePTCs) created by the American Rescue Plan Act (ARPA) and extended by the Inflation Reduction Act have made Affordable Care Act (ACA) marketplace coverage more affordable. They eliminated the 400 % Federal Poverty Level (FPL) income cap and capped premiums at 8.5 % of income, helping 24 million people afford health insurance[13]. These enhancements expire […]
Medicare Advantage vs. Medigap:Pros, Cons and 2026 Costs
Choosing between Medicare Advantage and Medicare Supplement (Medigap) coverage depends on how you want to receive Medicare benefits and how predictable you want your costs to be. With 2026 premiums and deductibles announced, it’s a good time to review the pros and cons of each option. What is Medicare Advantage? Medicare Advantage (Part C) plans are offered by […]