Life & Health Insurance Advisor – Spring 2026
Medicare in 2026: Big Changes Ahead for Coverage, Costs, and Your Options
If you’re enrolled in Medicare—or helping a parent or spouse manage their coverage—2026 is shaping up to be a year of significant change. From shifting Medicare Advantage benefits to rising Medigap premiums, many of the updates taking effect this year could influence how much you pay, which doctors you can see, and how well your plan fits your needs. Read on for details.
A Smarter Way to Plan for Care: The Rise of Hybrid Life + Long Term Care Policies
If our story “Aging Alone” last time struck a chord, you’re not alone. More Americans are realizing that long term care planning isn’t just about protecting assets—it’s about protecting independence, dignity, and peace of mind. But traditional long term care (LTC) insurance has its challenges: rising premiums, strict underwriting, and the fear of paying for coverage you may never use.Read on for details.
The Rising Cost of Care: Why Supplemental Health Insurance Is Becoming Essential
If you’ve noticed your health insurance deductible creeping higher each year, you’re not imagining it. Across the country, individuals and families are facing rising out of pocket costs—even when they have solid health coverage. That’s why more consumers are turning to supplemental health insurance as a practical way to protect their finances from unexpected medical bills. Read on for details.
How to Save on Prescription Drugs in 2026
Prescription drug costs continue to rise, and many families are feeling the strain. The good news? There are several practical ways to save money—whether you have insurance, Medicare, or a high deductible plan. Here’s a quick guide to the most effective strategies. Read on for details.
Life & Health Insurance Advisor – Winter 2025
Medicare Drug Coverage Is Changing—Here’s What You Need to Know This Enrollment Season
If you or a loved one relies on prescription medications, the 2026 Medicare Open Enrollment period (Oct. 15–Dec. 7, 2025) brings major updates that could impact your coverage, costs, and choices. From new caps to evolving formularies, here’s how to stay ahead of the curve. Read on for details.
Aging Alone: Why Long-Term Care Planning Matters More Than Ever
More than 16 million Americans over age 55 are aging alone—without a spouse, partner, or adult children to help navigate health challenges, daily tasks, or financial decisions. This “solo retirement” trend is accelerating, and with it comes a critical question: Who will help if you need care? Read on for details.
Never Outlive Your Savings: How Longevity Annuities Can Help
Americans are living longer than ever. According to the Centers for Disease Control and Prevention, the average 65-year-old today can expect to live at least another 20 years—six years longer than in 1950. While that’s great news for your golden years, it also raises a critical question: Will your retirement savings last as long as you do? Read on for details.
Traveling Abroad with Medicare: What You Need to Know
If you’re a Medicare recipient planning an international trip, it’s important to understand how your coverage works outside the United States. While Medicare offers excellent protection at home, its international benefits are extremely limited—and that can leave travelers vulnerable to unexpected medical costs. Read on for details.
Life & Health Insurance Advisor – Fall 2025
What the “One Big Beautiful Bill” Could Mean for Your Health Insurance
A new law passed by Congress—the One Big Beautiful Bill Act (OBBB)—includes several changes that may affect how Americans access and pay for health insurance. While the law covers a wide range of budget and policy areas, it also introduces updates to Medicaid, the Affordable Care Act (ACA) Marketplace, and Health Savings Account (HSA) rules that could influence your coverage in the coming years. Read on for details.
What Are Living Benefits in Life Insurance—and Why They Matter
Most people think of life insurance as something that helps their loved ones after they’re gone. But did you know that some life insurance policies can also help you while you’re still alive? Read on for details.
Why Human Guidance Still Matters in a Digital World
In today’s world of apps, algorithms, and instant quotes, it’s easy to assume that insurance and financial decisions can be made with just a few clicks. But more and more people are discovering that when it comes to protecting their health, family, and future, human guidance still matters. Read on for details.
2025 HSA Tips That Can Save You Money
Health Savings Accounts (HSAs) are more powerful than ever in 2025. Here’s how to make the most of yours:
1. Know the Limits
You can contribute up to $4,300 if you have individual coverage, or $8,550 for family coverage. If you’re 55 or older, you can add an extra $1,000.
Read on for details.
Life & Health Insurance Advisor – Summer 2025
How Disability Insurers Are Streamlining Efficiency with Technology
The disability insurance industry is undergoing a significant transformation, driven by advancements in artificial intelligence (AI), telehealth, and simplified underwriting. These innovations are enhancing the efficiency of policy approvals, improving access to claims assessments, and reducing costs by minimizing fraudulent claims. Read on for details.
Medicare Costs and the Push for Long-Term Sustainability
Medicare remains a critical lifeline for millions of Americans, but rising healthcare costs and regulatory changes are putting significant pressure on its funding. As policymakers grapple with these challenges, new regulations are reshaping benefits and premiums, while legislators explore long-term solutions to ensure Medicare remains viable for future generations. Read on for details.
Cybersecurity in Retirement Accounts: Safeguarding Savings from Fraud and Cyber Threats
As digital financial systems become more advanced, the cybersecurity of retirement accounts is an increasingly urgent concern. With trillions of dollars invested in 401(k) plans, IRAs, pensions, and annuities, cybercriminals are targeting retirement funds more aggressively than ever. Read on for details.
Six Healthcare Trends That Could Save You Dollars
In an era of rising healthcare costs, staying ahead of industry trends can make a real difference in how much you spend on medical care. Whether it’s smarter insurance pricing, expanded telehealth options, or AI-driven fraud prevention, small shifts in the healthcare system are creating opportunities for consumers to cut expenses without sacrificing quality.Read on for details.