Have you met IRMAA? Medicare Premium Surcharges Based on Income
Most Medicare beneficiaries pay the standard Part B premium—but higher earners pay more through a surcharge called IRMAA. Understanding how this income-related adjustment works helps you plan and, if circumstances change, appeal.
Health Savings Accounts and High-Deductible Health Plans: The Basics
Health Savings Accounts offer a triple tax advantage that makes them one of the most powerful tools for managing healthcare costs. Understanding how HSAs and High-Deductible Health Plans work together helps you decide if this approach fits your situation.
Providence Health Plan Is Ending — Here's What You Need to Know
Providence Health Plan announced it will exit most of its insurance lines at the end of 2026. Here's what changes, what doesn't, and what Medicare, ACA, and employer plan members should do next
Medicare and Employment: What Happens to Your Coverage When You Retire
The transition from employer-sponsored health coverage to Medicare is one of the most important insurance decisions you'll make. Getting the timing right protects you from penalties and coverage gaps.
Cigna Is Leaving the ACA Marketplace—Here's What You Need to Know
Cigna announced in April 2026 that it will exit the individual health insurance marketplace at the end of the year, affecting 369,000 members across 11 states. If you have a Cigna ACA plan, you'll need to select new coverage before January 1, 2027. But here's the reassuring part: your coverage is fine through the end of this year, open enrollment doesn't start until November, and you have clear options. This guide walks you through your timeline, how to compare plans, what to watch for if you're in active treatment, and who can help. You have time—and you don't have to do this alone.