Written By: Susan Hunter, Essential Healthcare Solutions:
Significant shifts in health insurance policies—from marketplace rules to employer and Medicare changes—will directly affect millions of Americans.
As we approach 2026, individual market insurers are requesting the largest health insurance increases in over 5 years. The reason behind it … inflation, tariffs and the expiring tax credits at the marketplace. Millions are facing a huge sticker shock.
Read more here Full Article: CNBC Open Enrollment Starts
In addition to the overall increases, many who normally enroll in health insurance through the marketplace/ACA will not have their subsidies renewed this year.
Healthcare coverage is not one size fits all. And you shouldn’t have to fit into a box. We are at a crossroad and need to think outside the box. Accessing new options not typically offered can reduce your monthly premium and out of pocket costs. Here are some considerations as you search for the best solution to fit your own personal needs.
• Review your current health plan: With hundreds of resources available, you don’t need to overpay for services you don’t use.
• Consider alternatives: I have access to options like health-sharing plans,
supplemental, major medical, critical illness, association like plans, prescription, gap, disability, high-deductible, HSA plans and more. When planned properly they can deliver great value while saving you thousands.
• Get help navigating options: Work with a professional, like me, that has done the
research and works with specialists nationwide to identify options that deliver real value and savings.
• Check to see if telemedicine is included in health coverage options. Experts
report that telemedicine can provide better and more affordable access for many.
• Be sure you understand your true out of pocket costs. What will you be
responsible for if you, or a family member gets sick? Will it be affordable? Think about setting up a safety net.
There are affordable and reliable solutions available. Dig deep and ask lots of questions to find the right options for your own personal needs. If you have health insurance questions or need help to find the right solution, contact me at [email protected], by phone 610.721.5200, or click here to request a quote.