As an independent insurance broker helping Arizona retirees since 2004, I’m seeing a clear pattern this year: more people are asking whether they should stay with Medicare Advantage or switch to something better. After reviewing what’s happening with Advantage plans in 2026, I’m recommending Medicare Supplement Plan G to virtually every client who qualifies. Here’s
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Insurance Insights & Updates
Arizona PPO Health Insurance 2026: Affordable Alternatives to Expensive ACA HMO Plans
If you’re shopping for Arizona PPO health insurance in 2026, you’ve probably noticed two things: premiums are higher than ever, and nearly every ACA marketplace plan in Arizona is now an HMO. For many residents, that means limited doctor networks, required referrals, and no out-of-network coverage. However, there are alternatives. In this guide, you’ll see
READ MOREThe Hidden Medicare Surcharge That Hits Retirees With Over $109,000 in Income
If your income in retirement is above a certain threshold, you may be paying significantly more for Medicare than your neighbors — and most people don’t find out until they receive their first bill. This extra charge is called the Medicare IRMAA surcharge, and in 2026 it kicks in at $106,000 for single filers. Here’s
READ MOREMedicare Supplement Plan G: Your Guide to “Zero-Surprise” Healthcare
Medicare Supplement Plan G is the most comprehensive Medigap plan available to new Medicare enrollees in 2026. If you’re turning 65 or newly enrolled in Medicare, Medicare Supplement Plan G fills nearly every gap Original Medicare leaves behind. In this guide, you’ll see exactly what Plan G covers, what it costs in Arizona, and why
READ MORE‘Delay’ and ‘Deny’: Even Health Insurance Companies Agree Prior Authorization Process Is Broken
Even health insurance companies now admit that the prior authorization process is broken. Major insurers including UnitedHealthcare, Cigna, CVS/Aetna, and Humana publicly acknowledged the problem in congressional testimony and industry statements — while still continuing to use prior authorization as a cost-control mechanism. Here’s what’s happening and what it means for Medicare enrollees in Arizona.
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