Penny

If you lost New York Essential Plan coverage this summer because your household income fell between 200% and 250% of the federal poverty level (FPL), you may be facing an uncomfortable question: What can you do now that the transition special enrollment period has ended? As of September 12, 2026, the special enrollment period connected… Read more

If you live in New York and your household income falls between 200% and 250% of the Federal Poverty Level (FPL), your health insurance options changed in 2026. The New York Essential Plan income limit returned to 200% FPL on July 1, 2026. That change affected approximately 450,000 New Yorkers who previously qualified for the… Read more

Category: businesshealth If your New York small business health plan renews on January 1, 2027, September is the right time to begin: not the time to wait for a renewal packet and hope the numbers work. Your renewal decision affects your employees’ premiums, deductibles, provider access, prescription coverage, and your company’s budget for the year… Read more

Medicare gives you a strong foundation for healthcare coverage, but Original Medicare does not pay every cost. In 2026, you may still face premiums, deductibles, coinsurance, and other out-of-pocket expenses. That is where Medicare Supplement Insurance: better known as Medigap: can help. Medigap plans work alongside Original Medicare to help pay certain costs that Medicare… Read more

Category: Individual Health If you heard that New York’s Essential Plan “went away” on July 1, 2026, you may be understandably worried. The good news is that the Essential Plan was not eliminated entirely. What changed is the income limit. Starting July 1, 2026, New Yorkers with household income above 200% of the Federal Poverty… Read more

Planning ahead can be one of the most caring financial decisions you make for your family. Final expense insurance for seniors can help pay for funeral services, burial or cremation, cemetery expenses, medical bills, and other costs that may arise after your death. But how much coverage is enough? The right amount depends on where… Read more

If you own a small business in New York, September is more than the start of fall. It is the ideal time to begin planning your next employee health insurance strategy: especially if you want coverage effective January 1, 2027. The key date is December 15, 2026. Through the NY State of Health Small Business… Read more

Turning 65 is an exciting milestone, but Medicare enrollment can feel complicated. You may be comparing Part A, Part B, Medicare Advantage, Medigap, and Part D while trying to understand deadlines, premiums, provider networks, and prescription costs. The good news is that you do not have to figure it out alone. This guide walks you… Read more

WordPress category: finalexpense Planning for funeral and end-of-life expenses may not be easy, but it can be one of the most caring financial decisions you make for your family. Final expense insurance for seniors is designed to help cover funeral services, burial or cremation costs, medical bills, outstanding debts, and other expenses without forcing your… Read more

Category: individualhealth New York’s Essential Plan coverage for residents with household income between 200% and 250% of the Federal Poverty Level (FPL) ends on June 30, 2026. Beginning July 1, 2026, affected enrollees must transition to another source of coverage: most commonly a Qualified Health Plan (QHP) through the New York State of Health Marketplace.… Read more