OBBBA reshaped ACA subsidies, Medicaid, and enrollment rules. Complete broker guide to every change, deadline, and opportunity in 2026–2028.
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AFFORDABLE CARE AGENTS BLOGInsights for Insurance Brokers
Practical guidance on Medicare, ACA Marketplace rules, compliance, and growing your brokerage.
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If you haven’t started your 2027 Medicare carrier certifications yet, the clock is already running. Carrier certifications are opening in waves right now — July 2026 — and brokers who get certified first have more time to build their book before AEP begins October 15. This complete guide gives you every major carrier’s 2027 certification...
For many dual-eligible seniors in New York, the biggest fear isn’t a diagnosis — it’s losing the ability to stay in their own home. Elderplan’s Medicaid Advantage Plus (MAP) plan, officially called Elderplan Plus Long-Term Care (HMO-POS D-SNP), is built to solve exactly that problem. It combines Medicare, Medicaid, and long-term care into one coordinated...
AHIP 2027 certification is now open — and if you have not started yet, now is the time. The 2027 Medicare + Fraud, Waste, and Abuse (FWA) training launched on June 22, 2026, and every broker who wants to sell Medicare Advantage (MA) and Prescription Drug Plans (PDP) during the 2027 Annual Enrollment Period (AEP)...
If you’re considering becoming a Medicare Advantage broker, you’re entering one of the most stable and fastest-growing career paths in the insurance industry. With over 33 million Americans enrolled in Medicare Advantage plans — and enrollment growing every year as Baby Boomers continue turning 65 — the demand for qualified, licensed Medicare brokers has never...
Can a SEP IRA Really Change How Much a Consumer Pays for Marketplace Health Insurance? Yes. For self-employed consumers, a SEP IRA contribution can sometimes lower taxable income enough to increase Marketplace premium tax credits. In simple terms, the Marketplace looks at a household’s income to decide how much help they receive toward health insurance...
New York brokers should treat the end of the Essential Plan 200–250 category as one of the biggest individual-market transitions on the horizon. NY State of Health says the expanded Essential Plan coverage for people between 200% and 250% of the federal poverty level will end effective July 1, 2026, following federal funding changes and...
CMS released the Contract Year 2027 Medicare Advantage and Part D Final Rule on April 2, 2026. The rule is effective June 1, 2026, applies to coverage beginning January 1, 2027, and the new marketing and communications policies apply beginning October 1, 2026. For brokers and agencies, that means the operational changes start now, not...
Published by AffordableCareAgents.com Each year during the Annual Enrollment Period (AEP), Medicare beneficiaries review their prescription drug coverage and often ask about the Medicare Part D Late Enrollment Penalty (LEP). This penalty is one of the most misunderstood aspects of Medicare, and it’s important to clarify how it works—and what brokers can and cannot discuss...
2026 Brings Big Changes — Are Your Clients Ready? The Medicare Extra Help program (also called the Low-Income Subsidy, or LIS) continues to be one of the most valuable benefits for seniors with limited income. But every year, CMS updates the benchmark premium amounts — the maximum Part D premium that Extra Help will fully...
