A Healthcare Blog

Catastrophic coverage, now accessible to more people, can help protect finances when serious injuries or illnesses occur.

2 min read

CMS broadens hardship exemption for catastrophic coverage on ACA Marketplaces

On Thursday, September 4, 2025, the Centers for Medicare and Medicaid Services released new guidance that might soften the blow for consumers who will soon lose eligibility for advanced premium tax credits (APTC) or cost-sharing reductions (CSR). In...

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Medicare Late Enrollment Penalties can be surprising and costly -- just like a snake in the grass.

6 min read

5 ways Michigan residents can avoid Medicare late enrollment penalties

One costly mistake could burden Michigan residents with over $3,000 per year in Medicare penalties that last for life. These penalties aren't just a...

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A soccer goalie prepares to save a penalty kick, just like a Medicare SEP can save you from late enrollment penalties.

8 min read

Special enrollment periods that can save you from Medicare penalties

Missed your Initial Enrollment Period for Medicare? Before you resign yourself to waiting until next year and paying penalties, understand this:...

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Appealing an IRMAA surcharge can throw you a rope when your financial situation changes.

4 min read

How to appeal your Medicare premium surcharge after income changes

Your Medicare Part B premium statement arrives, and the number makes you do a double-take. Instead of the standard premium, you're now paying...

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An emergency room entrance, where you could be subject to surprise bills.

2 min read

Emergency Room visits are always In-Network, but beware what happens next

When a medical emergency strikes, the last thing you should be worried about is whether the hospital is in your insurance network. And thankfully,...

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President Trump issued an executive order on prescription drug prices on May 12, 2025.

3 min read

The “Most-Favored Nation” executive order, explained for health insurance enrollees

On May 12, 2025, President Trump issued a much-anticipated executive order that promises to aggressively lower prescription drug costs. It grabs...

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1 min read

The Marketplace Circle of Champions recognizes Action for over 100 enrollments

Action Benefits Insurance Agency has been honored by the Health Insurance Marketplace® as an Elite member in the 2025 Marketplace Circle of Champions.

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2 min read

IRS releases HSA, HDHP figures for 2026

Before June 1 each year, the Internal Revenue Service must announce inflation-adjusted limits for Health Savings Accounts (HSA) contributions and...

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An early retiree does yoga at sunrise, content that she doesn't have to worry about health insurance.

5 min read

10 ways early retirees can get help paying for healthcare

Congratulations! You’ve worked hard, and are ready to spend the rest of your life pursuing whatever your heart desires. But, unless you have a...

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