Cornerstone Insurance Services

03/25/2026

Headlines feeling a little overwhelming lately?

Before you panic about your retirement, take a few minutes to watch this timely video from Roseville-based Bulman Wealth Group.

Scott Vlahon offers a steady, reassuring perspective when it matters most.

11/13/2025

ACA Expanded Tax Credits/Subsidies — What to Know for 2026 (Covered CA)

During COVID, lawmakers enhanced ACA tax credits and subsidies. Those enhancements were for plan years 2023–2025 and are set to expire in 2026 unless new legislation is passed. If they expire, the prior “income cliff” returns, and many households could see lower financial help.

Common Q&A
1. If the enhanced credits get extended, and I become eligible for help again or additional help, will I qualify retroactively?

Yes—if you apply through Covered California, but not if you apply directly to an insurance company. Eligibility still depends on your household size and income, and Covered CA will recalculate any financial help based on the rules in effect.

2. If I pick a plan now and the enhanced credits come back, can I change?

Yes—through Open Enrollment, which runs until Jan 31, 2026. If legislative changes are made very late, regulators will likely adjust/extend the enrollment deadline.

3. What is the current deadline? 12/31 for a 1/1 start date and 1/31 for the 2/1 start date.

📅 Need guidance? We’re reviewing options with clients now—message us to compare plans and estimate your potential savings.

10/11/2025

Heads up for Medicare Advantage members in Sacramento, Placer, and Yolo counties. 📍

A major plan that included access to Sutter providers is exiting these counties in 2026. If that affects you (or a parent/friend), Dina Collins at Cornerstone can help you review three strong alternatives—focused on your doctors, prescriptions, and budget. There’s no additional cost to work with a licensed broker.

👉 See the comments for the quick steps to request an appointment, or DM us for our phone number and email. We’re happy to help.

Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. For a complete list of options, visit Medicare.gov or call 1-800-MEDICARE. Not affiliated with or endorsed by the government or the federal Medicare program.

09/03/2025

Is your company subject to Cal COBRA or Federal COBRA. We can help.

08/29/2025

Considering offering benefits to your employees? We can help and will handle all the headaches of tracking new hires and managing enrollment. Message Dina Collins today.

08/21/2025

We offer value-added services to our group clients, such as this HR support. Message us for more information.

07/30/2025

Protect your greatest asset, you! If you're self-employed, you're likely not even protected with SDI (state disability coverage). Dina Collins with Cornerstone can help!

07/22/2025

Compare individual and family plan rates instantly without having to enter contact information (no risk of getting spammed). If you end up wanting in-person help my office is located in Folsom, CA. Phone and Zoom appointments are available also.

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07/15/2025

Dina Collins at Cornerstone Insurance Services, Inc. can help. You are your family‘s greatest asset. Are YOU properly insured? Message me to discuss.

05/14/2025

Schedule your health care around your life. Don't schedule your life around your health care. Get
a plan that puts you in control 916-353-4884, [email protected], www.csins.info

04/02/2025

A Medicare supplement insurance plan lets you reduce your out-of-pocket cost
and see any doctor that accepts Medicare. Find a plan that fits your needs.
916-353-4884
[email protected]
www.csins.info