Individual Benefits Group

10/01/2026

Medicare options can sneak up on us. Today is beginning of 2027 plan previews. If you have a question on your current set up, book below or give us a call at (706) 394-0786

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09/22/2026

Choosing health insurance can feel overwhelming. I’m hosting a webinar to help you understand your Medicare options for 2027 and feel more confident about your coverage.

We’ll walk through:

What to review before renewing your current plan
How to compare premiums, deductibles, and out-of-pocket costs
How to check coverage for your doctors and prescriptions
What changes in your household or income could mean for your options

My goal is simple: help you find coverage that fits your budget, works when you need it, and protects you from a major medical expense. We’ll also leave time for general questions.

When: 12 PM EST Thursday September 24th

Where: Online—join from anywhere

https://us05web.zoom.us/j/3322054504?pwd=WkJCNWRnV0JXOWw1VERTZnFHRzFqUT09

Feel free to share this invitation with someone who could use help navigating open enrollment.

Hope to see you there!

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08/05/2026

We wanted to give you an early heads-up that 2027 is expected to bring important changes to the individual health insurance market. As new legislation, carrier updates, and plan designs are finalized, current coverage may no longer be your best option.

Our goal is to help you stay ahead of these changes, not react to them at the last minute.

During this year's review, we'll discuss:

Changes to federal and state legislation that could affect your coverage or costs
New insurance plans entering the market
Alternative plan options that may provide better coverage for less money
Changes to provider networks, prescription drug coverage, and benefits
Updated premium tax credit eligibility (if applicable)
Strategies to ensure you're enrolled in the plan that best fits your needs for 2027

Every year we help clients compare all available options—not just renew their current plan. In many cases, we're able to find plans that reduce monthly premiums, improve benefits, or both.

SCHEDULE YOUR APPOINTMENT EARLY FOR NOVEMEBER 1ST THROUGH DECEMBER 15TH

Know Someone Who Could Use Help?

Many people experience life changes that affect their health insurance, including:

Losing employer coverage
Turning 65
Retiring
Moving
Having a baby
Getting married or divorced
Becoming self-employed

If you know someone who could benefit from our guidance, we'd be grateful if you shared our information.

Or simply reply to this email with their contact information (with their permission), and we'll be happy to reach out.

Thank you for trusting us with your health insurance planning. We look forward to helping you find the best coverage for 2027.

All the best!

07/27/2026

$100k+ Surgery for under $3k!

People ask me all the time why they should use an insurance broker instead of just going online.

This is why.

We've helped clients who were:

Having surgery within days of getting coverage.
Transitioning off employer insurance.
Trying to keep specialists and medications covered.
Looking for the lowest possible out-of-pocket costs if something serious happened.

One client had a back surgery that billed around $100,000 and ended up paying less than $3,000 out of pocket.

Another spent a month in the hospital after a serious accident and paid $800 for everything because we chose the right plan before anything happened.

The goal has never been to find the cheapest premium.

It's finding the plan that actually works when life doesn't go according to plan.

A lot of what I do happens before enrollment:
• Checking doctors and hospitals.
• Verifying medications.
• Looking at tax credits.
• Comparing every available option.
• Thinking through the "what ifs."

And after enrollment? That's when we try to be the most valuable. If a client has a major claim, we don't disappear.

If you're changing jobs, turning 65, losing coverage, moving, or just wondering if your current plan still makes sense, we're always happy to take a look.

(706) 394-0786

07/20/2026

💡 Did You Know?

If you qualify for an ACA Silver Plan with Cost-Sharing Reductions (CSR), your annual out-of-pocket maximum could be around $4,000–$7,000 for a family, compared with $10,000–$18,000+ on many standard individual and family Marketplace plans.*

That means thousands of dollars less if you experience a major illness, injury, or hospitalization.

Don’t just compare the monthly premium—compare what you’ll pay when you actually need care.

Contact Individual Benefits Group (IBG) to see if you qualify.

📞 (706) 394-0786
🌐 www.ibgcare.com

*Actual deductibles and out-of-pocket maximums vary by income, carrier, plan design, and location.

06/30/2026

Health insurance questions rarely have one-size-fits-all answers.

That's why we've simplified our referral process. Our online intake allows us to gather the right information upfront so we can spend less time collecting details and more time providing meaningful guidance.

Whether someone is transitioning to Medicare, losing employer coverage, exploring ACA options, or simply needs a second opinion, we take the time to understand their situation and provide clear, unbiased recommendations.

If you have a client who could benefit from an independent review, you can refer them here:

06/29/2026

One thing we've noticed... Benefits brokers are expected to have an answer for almost everything.

But when an employee turns 65, retires early, loses coverage, or needs to compare COBRA with the Marketplace, those conversations become incredibly specialized.

That's why we built IBG.

Not to replace the broker, but to become a trusted extension of their team.

We help clients navigate life's health insurance transitions while brokers stay focused on what they do best. The relationship always stays with the broker.

We believe the best partnerships aren't about taking business. They're about helping people when they need it most.

If you're a benefits broker, I'd love to connect and show you what we're building.

[email protected] (706) 394-0786

06/24/2026

WHAT CHANGED?

Sharing a powerful visual on how to handle certain life transitions.

Most people don't shop for health insurance because they want to.

They do it because life changed.

👶 Had a baby
💼 Started a new job
📦 Lost coverage
💍 Got married
💔 Got divorced
🎂 Turned 65
🏖 Retired
🚚 Moved
🎉 Child turned 26

The good news? Many of these life events may create opportunities to review or change your health coverage.

The challenge is knowing what options are available and when deadlines apply.

At IBG, we help individuals and families navigate these transitions and make informed decisions about their healthcare coverage.

Because health insurance isn't just about plans.

It's about helping people through life's biggest transitions.

What changed for you recently?

06/19/2026

ONE OF THE MOST IMPORTANT IMAGES AND STATISTICS FOR MEDICARE.

Most group benefits brokers are sitting on a hidden risk they don't even realize they have.

67 million Americans are enrolled in Medicare.

More than 10 million of them are still working.

And millions are covered under an employer-sponsored health plan while also navigating Medicare eligibility.

That's where things get complicated.

Questions like:

• Should they enroll in Part A?
• Can they contribute to an HSA?
• When should they take Part B?
• What happens when they retire?
• How do spouse and dependent coverages change?
• Are they overpaying by staying on the group plan?

These aren't questions most HR teams are equipped to answer every day.

They're also questions that can create confusion, frustration, and costly mistakes for employees.

For group benefits brokers, this represents an opportunity.

Not to replace the group plan.

Not to move people off coverage.

But to provide a clear transition strategy when employees become Medicare eligible.

The workforce is aging. More employees are working past 65 than ever before.

The brokers who understand how employer benefits and Medicare work together will be better positioned to support employers, HR teams, and employees through one of the most important benefit decisions they'll make.

The graphic below illustrates the size of that opportunity.

What challenges are you seeing with Medicare-eligible employees on group plans?

06/19/2026

📍 What’s Changed? You Moved

Moving isn’t just a change of address.

A move may qualify you for a Special Enrollment Period that allows you to review or change your health insurance.

This can be especially important if:
✅ You’ve moved to a new county or state
✅ Your current doctors are no longer in-network
✅ New plan options are available in your area
✅ Your premiums or benefits could improve

Many people don’t realize a move can open the door to new coverage opportunities.

Have you moved recently? It might be worth taking a second look at your health insurance.

What’s changed in your life this year? Tell me below.