Resources

Medicare is a federal health insurance program for Americans aged 65 and older, as well as younger individuals with specific disabilities. It is divided into four parts: Part A (hospital insurance), Part B (medical insurance), Part C (private Medicare Advantage plans), and Part D (prescription drugs). 

When you elect to enroll and what types of Medicare coverage you opt for can impact you more than you may know. 

For individuals and families under age 65 who do not have access to employer-sponsored health insurance, Medicaid, or Veterans benefits, finding affordable and reliable health coverage is an important part of protecting both health and financial well-being. Fortunately, there are a variety of coverage options available that can meet both short-term and long-term needs.

Health insurance is one of the most important financial and healthcare decisions individuals, families, and employers make. Today's marketplace offers more choices than ever, providing solutions for people at every stage of life. Whether you're self-employed, working as a 1099 contractor, transitioning between jobs, approaching Medicare eligibility, retiring early, or evaluating employee benefits, understanding your options can help you select coverage that best fits your needs and budget.

There has been considerable confusion surrounding Affordable Care Act (ACA) Marketplace subsidies, especially following the expiration of the enhanced financial assistance that was introduced during the COVID-19 pandemic. Many consumers are asking the same questions: Are subsidies still available, who qualifies, and how do they work?

The good news is that ACA subsidies have not disappeared. However, the rules governing eligibility and the amount of financial assistance available have changed significantly beginning in 2026.

What Are ACA Subsidies?