What's New

December 7 marked the end of Medicare's Annual Enrollment Period (AEP). If you missed the deadline and you didn't make any plan changes, you might still have opportunities to adjust your coverage. Depending on your situation, you may be able to make changes through the following enrollment periods:

• Medicare Advantage Open Enrollment (Jan 1–Mar 31): If you're already enrolled in a Medicare Advantage plan, you can make a one-time switch to another Medicare Advantage plan or return to Original Medicare.


• Special Enrollment Periods (SEPs): Certain life events—such as moving, losing employer coverage, or becoming eligible for Medicaid or Extra Help—can trigger an SEP , allowing you to make plan changes outside the usual enrollment windows.


• Medigap (Supplement) Policies: You can apply for a Medigap policy at any time. However, unless you have a guaranteed issue right , you may be subject to medical underwriting.


• Prescription Drug Coverage Assistance: If you qualify for Extra Help (the Low-Income Subsidy), you may be able to enroll in or change your Part D plan at any time.



Not sure what applies to you? We’re here to help. Contact our licensed agents for personalized guidance.

When you think about life insurance, chances are you picture the support that comes to loved ones after you're gone. But did you know that some types of life insurance can do much more? Depending on the policy, life insurance can provide living benefits and even help with long-term planning. Here are a few lesser-known ways it can work for you:

College Funding: Some permanent life insurance policies build cash value over time. In certain situations, you can borrow against this cash value to help cover big expenses, like a child’s college tuition. It’s not a replacement for dedicated education savings, but it can provide flexibility when extra resources are needed.

Hybrid Life & Long-Term Care Coverage: Newer policies sometimes combine life insurance with long-term care benefits. That means if you ever need extended in-home help or a nursing facility, the policy can help cover those costs. And if you never use the long-term coverage, the life insurance benefit is still there for your family later.

Cash Value: Permanent life insurance plans may also allow you to borrow against the policy’s cash value during your lifetime. This can be used for unforeseen expenses, supplementing retirement income, or other needs. Of course, it’s important to understand how drawing on cash value affects the policy before making any moves.

Reach out to us to learn which types of policies offer these features, and which options might be a fit for your needs.

ACA Marketplace Open Enrollment is here! From November 1 through January 15 in most states, individuals and families can sign up for new coverage, renew existing plans, or switch to a different option if their needs or budget have changed.

Even if you’re happy with your current plan, it’s smart to take a second look. Provider networks, drug formularies, and monthly premiums can all shift from year to year, and a quick review could uncover savings or a better fit for your lifestyle.

With many plans and details to consider, the Open Enrollment Period is the best time to make sure your health insurance works for you in the year ahead. Contact us for help reviewing your options as you prepare to enroll.