Penny

If you are still uninsured in New York after losing Essential Plan coverage, you are not alone, and you are not out of options. Approximately 450,000 New Yorkers were affected when the Essential Plan income range above 200% of the federal poverty level ended on July 1, 2026. Many of those individuals were self-employed, worked… Read more

Planning for final expenses may feel uncomfortable, but it can also be one of the most caring financial decisions you make for your family. Final expense insurance is designed to provide a modest, dependable death benefit that your beneficiary can use for funeral costs, cemetery expenses, transportation, medical bills, and other obligations. The key is… Read more

If you own a small business in New York, your January 1, 2027 health plan decision should look beyond the monthly premium. An HSA-eligible high-deductible health plan (HDHP), paired with a Health Savings Account (HSA), can create a more flexible cost-control strategy for both your business and your employees. The key is designing the arrangement… Read more

If you are reviewing Medicare coverage for 2027, now is the time to move from “I’ll look at it later” to a clear action plan. As of Monday, September 21, October 15 is only 24 days away—the first day of Medicare’s Annual Enrollment Period, also called the Open Enrollment Period. From October 15 through December… Read more

WordPress category: finalexpense Planning for end-of-life expenses can feel uncomfortable, but understanding your options does not have to be complicated. Final expense insurance for seniors is designed to help your family manage funeral, burial, cremation, cemetery, transportation, and other final bills without relying entirely on savings. The process is easier when you break it into… Read more

Your income can change quickly. A raise, reduced work hours, a new job, a bonus, or a stretch of unemployment can all affect your New York health coverage. For people enrolled through NY State of Health, financial assistance is based on your expected household income for the coverage year, not simply last year’s tax return.… Read more

Category: individualhealth If you lost your New York Essential Plan coverage after the 200%–250% Federal Poverty Level (FPL) change, you are not alone: and you are not out of options. The Essential Plan cliff is now behind us. Approximately 450,000 New Yorkers were affected when the expanded Essential Plan eligibility ended for households between 200%… Read more

Category: businesshealth Open enrollment is more than a paperwork exercise. It is your opportunity to help employees understand an important part of their compensation, and to show that you respect their time, questions, and financial priorities. Health insurance language can feel confusing even when the plan itself is valuable. Terms such as deductible, coinsurance, provider… Read more

If you have Medicare: or will become eligible soon: September is the time to pay attention. Your 2027 Medicare Advantage and Part D plan information is expected to become available before the Annual Enrollment Period begins on October 15, 2026. That gives you a valuable planning window. You can review your Annual Notice of Change,… Read more

If you lost your New York Essential Plan coverage this summer, you are not alone: and you are not out of options. Beginning July 1, 2026, approximately 450,000 New Yorkers with household incomes between 200% and 250% of the federal poverty level (FPL) lost access to the Essential Plan. For a single person, that income… Read more