Published by AffordableCareAgents.com Each year during the Annual Enrollment Period (AEP), Medicare beneficiaries review their prescription drug coverage and often ask about the Medicare Part D Late Enrollment Penalty (LEP). This penalty is one of the most misunderstood aspects of Medicare, and it’s important to clarify how it works—and what brokers can and cannot discuss...
2026 Brings Big Changes — Are Your Clients Ready? The Medicare Extra Help program (also called the Low-Income Subsidy, or LIS) continues to be one of the most valuable benefits for seniors with limited income. But every year, CMS updates the benchmark premium amounts — the maximum Part D premium that Extra Help will fully...
Brokers serving under-65 (U65) consumers in the Affordable Care Act (ACA) marketplace are facing an unusual gap in 2025. The Federally Facilitated Marketplace (FFM) certification window has closed, and the 2026 training is not yet available. For many agents, this means waiting until later in 2025 to re-certify with HealthCare.gov. But here’s the opportunity: while...
Court Overturns Medicare Advantage Broker Compensation Caps: What It Means for Agents, Carriers, and Consumers In August 2025, a federal district court in Texas delivered a landmark ruling with significant implications for the Medicare Advantage (MA) and Part D markets. The court vacated the Centers for Medicare & Medicaid Services’ (CMS) attempt to impose new...
Published by Affordable Care Agents | August 2025 On August 22, 2025, the U.S. District Court for the District of Maryland issued a nationwide stay (pause) on several provisions of the 2025 Marketplace Integrity & Affordability Final Rule. The order came as part of the lawsuit City of Columbus et al. v. Kennedy et al....
Major UHC Commission Changes in New York: What Brokers Need to Know for 2025 Posted on: June 16, 2025By: Affordable Care Agents Beginning July 1, 2025, UnitedHealthcare (UHC) will implement major commission changes to its Medicare Advantage product line in New York State, affecting brokers statewide. If you’re a licensed agent working with UHC or...
📲 How ACA Brokers Can Receive Real-Time Leads via CMS Help On Demand in 2025 By Mikh Yusupov, M.P.A.Founder, AffordableCareAgents.com In today’s competitive ACA health insurance marketplace, consumer engagement must be fast, compliant, and responsive. That’s where CMS’s Help On Demand steps in—a live referral system connecting qualified ACA brokers with consumers seeking immediate enrollment...
Are brokers still being paid under Obamacare? Will Florida and other states continue supporting agent commissions in 2025? If you’re a licensed health insurance agent or a consumer wondering about broker compensation under the Affordable Care Act (ACA), the short answer is yes—but there’s more to understand. This article breaks down how brokers are paid under...
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