If you logged into your Marketplace account this year and nearly fell out of your chair when you saw your new 2026 premium, you are not alone. For 2026 coverage, ACA Open Enrollment runs from November 1, 2025 through January 15, 2026  in most states that use HealthCare.gov . Enroll by December 15, 2025  for coverage that starts January 1. If you enroll between December 16 and January 15, your coverage will start February 1. But this open enrollment feels very different. Premi

Marketplace health insurance is changing for 2026. Premiums are rising about 20%, Aetna is leaving the Marketplace, and enhanced COVID-era subsidies are ending. Before you auto-renew, get a free plan review at OptimacIns.com to be sure your coverage still fits your needs. Open Enrollment starts November 1 , and this year brings major shifts. If you let your Marketplace plan auto-renew, you could face higher premiums, reduced subsidies, and coverage changes you didn’t expect.

If your job keeps you on the road—whether you're a traveling nurse working short-term contracts or a long-haul truck driver moving freight across states, your health insurance needs are different from someone working a desk job in one city. The typical HMO or limited-network plan may not work for you. What you need is flexibility, consistency, and nationwide coverage. That’s where private PPO health insurance plans come in. For mobile professionals based in Texas and the Grea

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How an advisor helps Texas families and entrepreneurs craft a private policy that fits like a glove Shopping for health insurance can...

When you start looking at health insurance plans, you almost always run into two big options: HMO  and PPO . For most people, these terms...