Discover Your Options

This is our theme this fall. We are facing increasing premiums on all types of insurance. Working together, we can develop solutions in face of the many changes we are experiencing. These may not be “Perfect"; however by taking action, we can manage these new situations.

“It is no use saying, ‘We are doing our best.’ You have got to succeed in doing what is necessary.” – Winston Churchill

Medicare

Medicare Part B- The standard premium could rise to $206.50 per month in 2026, up from $185 this year. That 11.6% increase would be the largest single- year jump in about a decade, according to the latest annual Medicare trustees report.

Medicare Supplement Plans - Premiums are increasing this year more than ever. We are seeing this with all the companies, especially Plan "G", the most popular plan. ​
​Are there Options? – YES! Consider changing to a Plan "N". It has the same basic benefits as "G" – Except a modest copay for primary, specialists and ER; no coverage for excess charges.  Savings of some 10%– 25%.
​Medicare Advantage Plans – We have FIVE Star plans available year-round. Also "C-Snp’s - Chronic Disease Special Needs Plans" if you have been diagnosed with diabetes or heart disease.
​For 2026, Advantage plans will be focused more on medical benefits rather than the "Extras" such as dental, vision, OTC and the like.
​Medicare Prescription Drug Plans-  "Part D" - The out of pocket maximum is increasing just $100 dollars to $2100 for 2026. Otherwise, the same as this current year.

HEALTH INSURANCE  ​

BIG Changes to ACA/ Marketplace/ ObamaCare
  • ​ Subsidies will decrease and your net premium will increase  . Unless Congress acts, the "enhanced Premium Tax Credits (PTC)" enacted by President Biden in 2021 will expire. This means PTC’s will decrease and your premiums will increase dramatically. The Kaiser Foundation estimates for Western NC is excess of 300%.
  • The 400% Cliff will return. If you have an income of more than 400% of the federal poverty line - $60,250 for a single person, $82,800 for a couple $125,000 for a family of 4, then NO subsidy is available. You would pay the full cost of your insurance.​
  • More verification of your income estimate for 2026 to be eligible for these premium discounts, as well as your status as a citizen.
  • Open Enrollment Period:  November 1 to December 15 for January 1, 2026.  Then an additional month to January 15 for February 1 effective date.
  • Health Savings Account: Bronze Plans will qualify for opening this tax-qualified account; allowing you to contribute dollars to help you manage your income and avoid the 400% Cliff and pay for health expenses in tax free dollars. 
  • More options for short term, hospital indemnity and accident plans to customize your insurance to meet your needs, goals, values and budget. 
Health Insurance 2026: Click to find out more about what's ahead for 2026

HOME & AUTO INSURANCE

​Hurricane Helene is still impacting our premiums for these coverages.  It’s more imperative to shop your policies than ever before. While changing companies may not save you money as compared to your prior rate, you may be able to manage the increase better.  Consider increasing deductibles – BUT -  do not skimp on the total value of the coverage. It is best to spend a few more dollars to have effective coverage if and when something may happen … again.