If you’ve experienced ACA sticker shock when shopping for health insurance, you’re not alone. Millions of Americans — especially those who earn just above the subsidy threshold — face premium prices that seem impossible to afford. Here’s why ACA premiums are so high, what the subsidy cliff means for Arizona residents, and what your alternatives
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Insurance Insights & Updates
Why do some seniors choose Medigap over Medicare Advantage?
Every fall, millions of seniors face the same decision: Medigap vs Medicare Advantage — which is right for me? Despite Medicare Advantage’s heavy marketing, a significant number of seniors deliberately choose Medigap over Medicare Advantage. Here’s why. The Core Reason Seniors Choose Medigap Over Medicare Advantage The fundamental difference: Medicare Advantage is cheaper at enrollment
READ MORE2026 Open Enrollment: Americans fear spike in healthcare costs, making some Republicans nervy
As 2026 open enrollment approaches, millions of Americans are bracing for significant health insurance cost increases. Enhanced ACA subsidies that dramatically reduced premiums may expire, and the political debate over their renewal has left many consumers uncertain about what to expect. Here’s what Arizona residents need to know heading into 2026 open enrollment. Why 2026
READ MOREMore employers are giving workers money to buy their own health insurance
A growing trend is changing how many Americans get health insurance: more employers are offering employer health insurance stipends instead of traditional group coverage. Rather than managing a group plan, employers give workers a monthly stipend to purchase their own individual coverage. Here’s how it works and what it means for Arizona workers and small
READ MOREYour Health Insurance IS Going To Increase By The Biggest Percentage in 15 Years!
Health insurance cost increases are hitting Arizona residents harder than at any point in the last 15 years. Rising healthcare utilization, expiring subsidies, and carrier withdrawals from the marketplace are all converging to drive premiums significantly higher. Here’s what’s driving the increases and what you can do about it. According to healthcare.gov, your health
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