December 29, 2025
AgencyLevel-Funded vs. FuInsured Group Health Insurance: A Side-By-Side Comparison for Employers
As healthcare costs continue to rise, employers are taking a closer look at how group health insurance plans are structured and priced. Two of the most commonly compared options today are fully insured and level-funded group health plans. Key Differences Between the Two Fully insured plans provide simplicity and predictability, while level-funded plans introduce transparency […]
December 26, 2025
AgencyDoes Medicare Cover Dental, Vision, and Hearing?
For many Texans approaching Medicare eligibility, or already enrolled, one of the most common questions is whether Medicare covers dental, vision, and hearing services. These areas of care are essential to overall health, yet the coverage rules can be confusing. Medicare is divided into several parts, each designed to cover different aspects of health care: Part A (hospital insurance): Covers inpatient hospital stays, skilled […]
December 22, 2025
AgencyGroup Health Insurance Isn’t Just “Fully Insured” Anymore
Understanding Level-Funded & Self-Funded Options For many employers, group health insurance has traditionally meant one thing: a fully insured plan with fixed monthly premiums paid to an insurance carrier. While fully insured coverage remains a common and viable option, it is no longer the only approach available to employers—and in many cases, not the most […]
November 20, 2025
AgencyOpen Enrollment in Texas: What You Need to Know for 2025 and 2026
As we approach the end of the year, it’s time for Texans to start thinking about health insurance coverage for 2026. Open enrollment is the annual window when individuals can sign up for, renew or change their health insurance plans through the Affordable Care Act (ACA) Marketplace. Whether you’re enrolling for the first time or reviewing your current plan, understanding the timeline and upcoming […]
November 17, 2025
AgencyPlanning Ahead: Smart Coverage Strategies If ACA Premiums Rise in 2026
Understanding the Shifting Landscape of Health Coverage As the debate in Washington continues over federal funding and enhanced ACA subsidies, many Americans are watching their premiums closely. If the additional subsidies expire at the end of 2025, millions of households could see higher health insurance costs in 2026. While no one can predict exactly what […]
November 10, 2025
AgencyExploring Your Health Coverage Options Beyond ACA Marketplace Plans
When ACA Plans Don’t Fit Your Needs While the Affordable Care Act (ACA) marketplace has provided millions of Americans with access to comprehensive coverage, not every household finds those plans to be the right fit. Some consumers may face higher premiums, limited provider networks, or prefer different benefit structures. If you’re exploring health coverage options […]
November 4, 2025
AgencyPremium Shock Ahead: What Happens If ACA Subsidies Disappear Amid the Government Shutdown?
Across the U.S., health care experts are warning that a “premium shock” could be coming for millions of Americans who rely on Affordable Care Act (ACA) marketplace coverage. Two major events are creating uncertainty for consumers and insurers alike: A partial federal government shutdown has left Congress divided over budget funding and key health care […]
October 28, 2025
AgencyWhy Reviewing Your Medicare Drug Plan Every Year Matters
Medicare Part D is an essential benefit for millions of Americans, but prescription drug plans can change yearly. Each fall, during the Annual Enrollment Period (October 15 to December 7), Medicare beneficiaries have an opportunity to review and change their prescription drug coverage. Drug Plans Change Annually Insurance companies that offer Medicare Part D coverage […]
October 1, 2025
AgencyHCSC Acquires Cigna: How Members Can Navigate Insurance Changes
New News: HCSC Acquires Cigna Health Care Service Corporation (HCSC), parent company of several Blue Cross Blue Shield plans, is acquiring Cigna’s book of business. This may affect members in terms of plan networks, premiums, and coverage options. Potential Impacts for Members Changes may include: Network Adjustments: Some current providers may not be in-network. Premium […]
September 24, 2025
AgencyInsurance Commission Cuts Explained: How Changes Affect Agents and You
What Commission Cuts Mean for Insurance Agents Insurance carriers have recently reduced or eliminated commissions on certain products. This may affect agent incentives, but it does not change the fact that clients still need accurate guidance to understand available coverage options. Why Independent Agencies Matter Independent agencies like Insurance Solutions USA represent multiple carriers, allowing […]