FYInsurance Solutions

10/16/2026

Medicare Annual Enrollment Period is here and runs through December 7.

There are quite a few changes for 2027, and some may have a significant impact on your coverage and out-of-pocket expenses.

In California, Aetna Medicare PDPs and HealthSpring Extra Rx PDP are being terminated. Other plans may have increased premiums, copays, reduced benefits, or changes to their provider networks.

If you're on Medicare, don't assume your current coverage will remain the same next year. Review your Annual Notice of Change (ANOC), check your doctors, medications, pharmacies, and any changes to your costs.

Even if you're happy with your current plan, it's worth taking the time to review your options.

If you haven't scheduled your annual Medicare review, feel free to reach out to FYInsurance Solutions. We're happy to help you navigate the changes and find coverage that fits your needs and budget.

Let's avoid those January surprises!

10/15/2026

Important Covered California Update for 2027

Starting January 1, 2027, eligibility for financial assistance through Covered California will become more restrictive.

✅ Only U.S. citizens, U.S. nationals, and the following eligible immigrant groups will qualify for Advance Premium Tax Credits (APTC) to help lower monthly health insurance premiums:

Lawful Permanent Residents (Green Card Holders)
Cuban and Haitian Entrants
Compact of Free Association (COFA) Migrants

❌ Who will lose eligibility for this financial assistance?

Individuals granted asylum
Refugees
Survivors of trafficking (T visa holders)
Individuals with Temporary Protected Status (TPS)
Work visa holders
Student visa holders

Important: Losing eligibility for financial assistance does not necessarily mean losing eligibility for health insurance coverage through Covered California. You may still be able to enroll, but without federal premium tax credits.

If you're currently receiving financial assistance, review your eligibility and coverage options for 2027 before renewing your plan.

10/09/2026

📢 Important Update for Covered California Members 📢

Effective October 1, 2026, if your health or dental insurance coverage is terminated due to non-payment, you must contact your insurance carrier directly to request reinstatement.

Covered California enrollers and agents can no longer submit these reinstatement requests on your behalf.

This change applies only to non-payment reinstatement requests for the current coverage year.

Always remember to pay your premiums on time to avoid interruptions in coverage.

10/06/2026

Aetna Medicare Part D Members in California

Aetna will no longer offer Medicare Part D Prescription Drug Plans in California for 2027.

If you currently have an Aetna PDP, you will need to select a new prescription drug plan for January 1, 2027.

Don't simply choose the cheapest replacement. Formularies, pharmacy networks, deductibles and medication costs can vary significantly between plans, so your options should be reviewed based on your medications and preferred pharmacy.

Annual Enrollment Period: October 15 – December 7

If you're affected, schedule your 2027 Medicare review and have your updated medication list ready:

https://calendly.com/fyiteam/aep

Don't wait until December. Let's get this taken care of early.

05/20/2026

IMG has announced coverage moratorium on travel to countries effected by the most recent Ebola outbreak, including Democratic Republic of Congo and Uganda.

For those who already traveled to the Affected Region before the Level 4 Travel Advisory was issued on May 17, 2026, their IMG plan will continue to provide eligible medical benefits according to the terms and conditions of their policy, if such services are available. Please be aware that due to government restrictions and outbreak-control measures in the Affected Region and surrounding area, medical evacuation, hospital capacity, and medical treatment may not be available.

05/20/2026

Ahoy! has announced a moratorium on new boat quotes and policies for California zip codes 93063, 93065 and 91307 due to the Sandy Fire.

04/20/2026

I don’t know who needs to hear this but…

You can still qualify for life insurance even if you 🚬

Not saying you should… just saying you’ve got options 😏

Happy 4/20!

Celebrate responsibly.

04/01/2026

Our office will be closed for the holidays from April 1 to April 9, and we’ll reopen on April 10.

03/26/2026

Working on new Medicare video and I want YOUR input

There’s so much confusion around Medicare, and I don’t want to just guess what people need, I want to answer your real questions.

So tell me:

What’s the MOST confusing part about Medicare for you?

Are you (or a parent) turning 65 and feeling overwhelmed?

Not sure what Medicare actually covers?

Worried about penalties, costs, or missing deadlines?

Trying to figure out if you should stay on work coverage or switch?

Drop your questions below or message me privately if you’d rather keep it personal.

I’ll be using your questions to create short, simple videos that actually make sense (no insurance jargon, I promise).

And if you don’t want to wait…

Call me directly and I’ll walk you through it step-by-step and make it simple.

03/20/2026