Your Forever Agency

10/17/2026

📅 Open Enrollment begins November 1 in most states, and there are a few things Marketplace shoppers should know this year.

💰 Premium tax credits are available, but the additional enhanced savings that were available through 2025 are still gone.

🥈 Cost-sharing reductions are still available. If you qualify, choosing an eligible Silver plan can help lower costs such as deductibles, copays, and coinsurance.

🏥 Bronze, Silver, Gold, and Platinum plans remain. Remember: metal levels don’t indicate quality of care, but define how costs are shared between you and the plan.

🩺 Key ACA protections remain. Marketplace plans continue to cover essential health benefits, and insurers generally can’t deny coverage or charge more because of a pre-existing condition.

Before Open Enrollment, gather a list of your doctors and prescriptions, estimate your expected 2027 household income, and think about how well your current coverage has worked for you. Even if nothing has changed in your household, don’t assume your premium, financial assistance, or plan details will stay the same.

Questions about your 2027 health insurance options? We’re here to help you prepare and compare your choices.

# ACA

10/14/2026

Waking up with a sore back that feels better once you start moving? Your mattress may be worth a second look. 🛏️

A mattress won’t cure back pain, but the right one can make a noticeable difference. Think support—not necessarily the firmest bed. Too firm can create pressure, while too soft can leave your spine unsupported.

Before buying, test it the way you actually sleep, check the return policy, and give yourself time to decide if it’s truly a good fit.

And if your back pain is severe, worsening, or regularly waking you up, that’s a conversation for your doctor—not the mattress showroom.

Have you found a mattress that works great for you? Share your recommendation below! 👇

10/14/2026

End-of-Year HR Compliance Checklist: What Your Business Needs to Wrap Up

Essential HR compliance checklist for year-end 2026. Covers ERISA, COBRA, Section 125, ACA reporting, creditable coverage notices, and policy updates.

10/12/2026

This Columbus Day, as we reflect on the journeys that shaped history, it’s also a great reminder to plan ahead for the adventures still to come.

Whether you're exploring somewhere new or visiting loved ones, travel insurance can help provide protection against certain unexpected travel expenses, depending on your plan.

🌎 Wherever life takes you, make sure you're prepared for the journey!

From all of us at Your Forever Agency, wishing you a safe and meaningful Columbus Day.

10/07/2026

ACA Open Enrollment 2027: What’s Changing and What’s Staying the Same

ACA Marketplace Open Enrollment begins November 1 in most states. Learn what’s changing for 2027, including subsidies and plan designs, and what’s staying the same.

10/07/2026

📅 ACA Marketplace Open Enrollment is coming. A little preparation now can make enrollment easier later.

Before November 1, take a few minutes to get organized:

✅ Think about how your current health plan worked for you this year.

👩‍⚕️ Make a list of the doctors, specialists and healthcare facilities you want to keep using.

💊 Write down your prescriptions, dosages, and preferred pharmacy.

💵 Review your expected 2027 household income and make note of any household changes.

📬 Watch for notices from your insurance company and the Marketplace about your current coverage and options for next year.

⚠️ Be cautious of unsolicited calls, texts, or emails asking for personal, financial, or Marketplace account information. The scammers are out in force. When in doubt, give us a call to get honest support.

Getting this information together now can make it easier to compare your options when Open Enrollment begins. Have questions or want help getting ready? Give us a call to schedule an enrollment appointment.

10/05/2026

Today, we celebrate the teachers who do so much more than teach—they inspire curiosity, build confidence, encourage dreams, and make a lasting difference in their students’ lives.

Take a moment today to think of a teacher who made an impact on you. Tag them, drop their name in the comments, or send them a quick message to let them know they mattered. ❤️

To every teacher: thank you for believing in your students, showing up every day, and helping shape a better future. We see you, and we appreciate you! 🙌

10/03/2026

Even if you are feeling one step behind, is it a comfort that the stores are at least two steps ahead? 🎃 🎄

10/03/2026

🎃 Creamy Pumpkin Soup — A Cozy Fall Favorite! 🍂

Cool fall evenings call for something warm and comforting, and this easy pumpkin soup is just the thing!

Ingredients:
1 (15 oz.) can pumpkin puree
1 small onion, chopped
2 cloves garlic, minced
2 Tbsp. butter or olive oil
3 cups chicken or vegetable broth
½ cup heavy cream
½ tsp. salt
¼ tsp. black pepper
¼ tsp. ground nutmeg

Directions:
Sauté the onion in butter or olive oil over medium heat until soft, about 5 minutes. Add the garlic and cook for another 30 seconds.

Stir in the pumpkin, broth, salt, pepper, and nutmeg. Bring to a gentle simmer and cook for 15 minutes, stirring occasionally.

Reduce the heat and stir in the cream. Heat through without boiling, then taste and adjust the seasoning.

Ladle into bowls and, if you'd like, top with toasted pumpkin seeds, croutons, or an extra swirl of cream.

10/01/2026

📣Medicare's Annual Enrollment Period is here! The enrollment window is from October 15 through December 7.

During this time, you can:

➡️ Enroll in a Medicare Advantage plan

➡️ Switch between Medicare Advantage and Original Medicare

➡️ Join, drop, or change a Part D prescription drug plan

Even if you’re satisfied with your current coverage, it’s important to review your plan and compare your options each year. Plan costs, benefits, provider networks, and drug formularies can change from one year to the next, and your own health care needs may change, too.

You don’t have to navigate your options on your own. Contact us to schedule a Medicare review meeting. We are here to help you!