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...
Court Overturns Medicare Advantage Broker Compensation Caps: What It Means for Agents, Carriers, and Consumers 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...
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