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Choosing a healthcare plan under the Affordable Care Act (ACA) is a personal decision, and your choice needs to reflect your unique situation. I offer one-on-one consultations and take the time to explain the different plan options to you. Open Enrollment for a plan under the ACA is now until Monday, December 15, for a January 1 effective date. With changes to the ACA happening every year, you might be wondering if your eligibility for a premium tax credit still exists, or you’re wondering about the right steps to take to apply your premium tax credit and any applicable deadlines. I can help you understand your eligibility and help you receive the financial support available to you. Premium tax credits can represent significant cost savings and you’ll want to make sure you can take advantage of any available opportunities. 2026 Changes Typically, the ACA market is host to an annual slew of changes, and 2026 is no exception. Here is a list of some of the changes (Source: cms.gov/newsroom/fact-sheets/hhs-notice-benefit-and-payment-parameters-2026-final-rule) you might expect to see applied to your plan of choice: Monthly plan costs could increase due to changing market conditions and adjustments to premium tax credits. Annual income must be verified. Coverage must be renewed during Open Enrollment to keep any federal financial support. As always, my guidance is available at no cost to you. I look forward to hearing from you. HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-480-1385 . Virtual, phone and office appointments are available. 

If you attended high school in 1978, you are likely nearing age 65, the point when you will start making decisions about your Medicare options. To learn more about your options, give me a call to schedule a no-cost, no-obligation informational meeting. In the meantime, enjoy recalling these memories from December 1978: Top 5 Singles – December 16, 1978 #1 “You Don’t Bring Me Flowers” – Barbra Streisand and Neil Diamond #2 “Le Freak” – Chic #3 “Too Much Heaven” – The Bee Gees #4 “I Just Wanna Stop” – Gino Vannelli #5 “My Life” – Billy Joel Top-Grossing Movie Week of December 13 “Midnight Express” December 1978 Events The Women’s Professional Basketball League (WBL), the first U.S. pro basketball league for women, played its first game. At Milwaukee Arena in Wisconsin, the Chicago Hustle defeated the Milwaukee Does, 92-87. The feature film “Superman,” directed by Richard Donner and featuring a relatively unknown actor, Christopher Reeve, in the title role, had its world premiere at the John F. Kennedy Center for the Performing Arts in Washington D.C. “Richard Pryor: Live in Concert,” the first full-length feature movie consisting of only stand-up comedy, was recorded during a single performance by the comedian at the Terrace Theater in Long Beach, California. The first Susan B. Anthony dollar in the U.S. was produced, being struck by the Philadelphia Mint. The coins would not be released until July 2 of the following year. The LaserDisc, the first commercial optical disc storage medium and a precursor to the DVD, went on sale. It was introduced at stores in Atlanta, and marketed in the U.S. under the name MCA DiscoVision, designed to play on the Magnavision videodisc player manufactured by the Magnavox company. Cleveland became the first major U.S. city to go into default on its financial obligations, as the December 15 deadline to arrange for payment of $15.5 million in loans expired without the City Council agreeing upon a means of paying on its debts to six Cleveland banks. The career of Ohio State University football coach Woody Hayes came to an end after 28 seasons and five NCAA national championships, when Hayes punched a player in the closing minutes of the 1978 Gator Bowl in Jacksonville, Florida. The game between Ohio State and Clemson University was televised across the United States. Hayes was fired the next day. —Source: Wikipedia

When it comes to Medicare, you get to decide who supports your journey.

Local guidance available at no cost can be invaluable when it comes to selecting an ACA plan for 2026. 

Schedule your policy review with Scott McEvoy of HealthMarkets Insurance Agency .