HC Heinsman

10/19/2026

If you already have a Marketplace plan and do nothing this fall, you may get auto-renewed.
Sounds easy, right? Here's the catch: your premium, your plan's network, and the help you get with costs can all change from year to year. Auto-renewing means accepting next year's version of your plan without looking at it.
Sometimes it's still the right plan. Sometimes there's a better one for less. You won't know unless you look.
Save this as your reminder to review your plan once 2027 options open on Nov 1. 📌

10/18/2026

Two weeks out from Open Enrollment. ⏰

On November 1st, everything shifts — new plans, new pricing, new networks. And once it opens, it gets loud fast. Everyone's scrambling to review their options at the same time, which usually means longer waits and less time to actually think things through.

Right now, before that rush hits, is the best time to get ahead of it. If you've been putting off a plan review, wondering if you're overpaying, or just haven't checked whether your current plan still makes sense — this is the window to do it without the pressure.

Two weeks might not sound like much, but it's enough time to get everything sorted before November 1st instead of scrambling once it's live.

Book a call with us now. Let's get you set up before the crowd shows up.

10/17/2026

Fall means more hikes, more games, more time outside 🍂 Make sure you're actually protected if something happens. A quick plan review now beats a surprise bill later. Let's talk — link in bio.

10/15/2026

What's a co-pay? 💡 It's a flat fee you pay at the time of service — like when you visit the doctor or pick up a prescription. It's different from your deductible, which is a set amount you pay before insurance kicks in at all. Know your terms, know your plan. Let's talk — link in bio."

10/15/2026

Take a medication regularly? It needs to be part of your plan shopping.
Every plan has a drug list (called a formulary). Two plans with the same premium can charge wildly different amounts for the same prescription, or not cover it at all.
Before you pick a plan:

✅ Write down every medication and dose
✅ Check if each one is on the plan's drug list
✅ Look at what tier it's in, since that drives your cost
Got questions about how prescriptions work on a plan? Ask below.

10/13/2026

Before you switch plans this year, do this one thing:

Make a list of every doctor, specialist, and hospital you want to keep, and check that they're in-network on the new plan.
A plan can look perfect on paper and still leave your favorite doctor out of network. Going out of network can mean paying a lot more, or paying the whole bill yourself.
Two minutes of checking now beats a surprise bill in March.
Tag someone who just found a doctor they love. 💙

10/12/2026

What's actually IN your network? 🤔 It's the group of doctors, specialists, and hospitals your plan covers at the best rate. Go outside it, and you could be paying a lot more — or the full bill. Before you assume your provider's covered, double check. Let's talk — link in bio.

10/09/2026

10/09/2026

Looking for affordable health insurance? 💰 It's out there — you just have to know where to look. Between subsidies, off-Marketplace plans, and different coverage levels, there's usually more room in the budget than people think. Let's find your fit. Let's talk — link in bio.

10/09/2026

Can we help save you money on your premiums? 💰 Probably. Most people are paying more than they need to and don't realize there's a better option out there. One call and we'll find out for sure. Let's talk — link in bio.