Videos
Understanding IRMAA: What You Need to Know for 2026
The Income-Related Monthly Adjustment Amount (IRMAA) is an additional charge that some Medicare beneficiaries must pay on top of their standard Part B and Part D premiums. This surcharge is based on your Modified Adjusted Gross...
2026 Health Savings Account (HSA) Updates: Big Beautiful Bill Explained
What is a Health Savings Account (HSA)? A Health Savings Account (HSA) works much like a “medical IRA.” It’s a tax-advantaged savings account designed to help individuals with High Deductible Health Plans (HDHPs) pay for qualified medical expenses. Significant changes...
Covered California 2026 Benefit Structure: What You Need to Know
As we move closer to 2026, Covered California has released its updated standard benefit designs for all health plan tiers. These designs outline the core structure of every plan offered through the marketplace, including deductibles, copays, coinsurance, and...
Covered California 2026 Rates Announced- What Enrollees Must Know Now
Covered California has released its 2026 rates, and for Los Angeles County – Southwest (Region 16), the average increase will be 10.0%. That’s close to the statewide average of 10.3%, but the real concern isn’t just the rate change—it’s what could happen if Congress...
CMS Final Rule: Big ACA Changes Ahead for 2026 Coverage
In July 2025, the Centers for Medicare & Medicaid Services (CMS) finalized new rules for the Affordable Care Act (ACA) Marketplaces. These changes aim to improve the program’s integrity, reduce fraud, and ensure that only those who truly qualify receive subsidies....
2026 HSA Contribution Limits Explained: Significant changes with the introduction of the “Big Beautiful Bill”
Health savings accounts (HSAs) offer incredible tax benefits for individuals enrolled in high-deductible health plans (HDHPs). Given the recent announcement of the 2026 HSA contribution limits and changes with the introduction of the "Big Beautiful Bill " , now is an...
The Real Value of Dental Insurance: Protecting Your Smile and Your Wallet
Why is Dental Insurance Important?Did you know that people without dental insurance are more likely to experience serious health issues like heart disease and diabetes? Dental-related problems account for over 2 million emergency room visits annually, underscoring the...
Federal Poverty Level 2025 & Impact on Coverage
Understanding the Federal Poverty Level (FPL) and Its Impact on Health Insurance in California The Federal Poverty Level (FPL) is a benchmark for assessing individuals’ and families’ income levels relative to the federal poverty threshold. In California, health...
Stay Healthy with Free Preventative Care: What You Need to Know
Although it might take some time to set up your free preventative exam with your in-network doctor, it is well worth taking advantage of this benefit. Most preventive care visits are scheduled between two to three month in advance, so start scheduling your preventive...
Special Enrollment Period for Individual Health Insurance
Starting February 1, 2025 the Special Enrollment Period begins. During the Special Enrollment Period from February 1st to October 31st, 2025, anyone seeking to enroll in or change their existing health insurance must have had a so-called "qualifying life event" within...