The ACA subsidy cliff is back in 2026 and 2027 Open Enrollment just got shorter. See what health insurance brokers must do now to protect clients.
502 East Atlantic Ave. Delray Beach FL, 33483
(+1) 561-652-5770
AFFORDABLE CARE AGENTS BLOGInsights for Insurance Brokers
Practical guidance on Medicare, ACA Marketplace rules, compliance, and growing your brokerage.
Featured Topics
OBBBA reshaped ACA subsidies, Medicaid, and enrollment rules. Complete broker guide to every change, deadline, and opportunity in 2026–2028.
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...
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...
Updated August 19, 2026 — figures below have been re-verified directly against the CMS CY2026 Regional Rates and Benchmarks file and CMS’s 2026 Part D Bid Information fact sheet. Several regional numbers below have changed from an earlier version of this article — always cross-check the live CMS file before quoting a benchmark to a...
In August 2025, a federal district court in Texas delivered a landmark ruling with significant implications for the Medicare Advantage (MA) and Part D markets. The court vacated the Centers for Medicare & Medicaid Services’ (CMS) attempt to impose new limits on broker and third-party marketing organization (TPMO) compensation. The decision halts CMS’s effort to...
📲 How ACA Brokers Can Receive Real-Time Leads via CMS Help On Demand in 2025 By Mikh Yusupov, M.P.A.Founder, AffordableCareAgents.com In today’s competitive ACA health insurance marketplace, consumer engagement must be fast, compliant, and responsive. That’s where CMS’s Help On Demand steps in—a live referral system connecting qualified ACA brokers with consumers seeking immediate enrollment...