Crown Point Services

11/29/2025

Do you have health insurance through the Marketplace?

Do you get an Advanced Premium Tax Credit (APTC) that helps lower your monthly premium?

Things are about to change and if you said yes to either of these questions, there are things you *need* to know.

Currently, anyone who is over 400% of the Federal Poverty Level, or FPL, is going to have ZERO tax credit, no help. Full. Price. Premiums. This could make for a big shock when renewing your plan. This is an awful change and will hurt so many people, especially families. But it's not the only change, in my opinion there's another change you need to be even more aware of, because this one can sneak up on you. 2025 and previous years there's been a "repayment cap" or a max someone can have to pay back when reconciling income after receiving an Advanced Premium Tax Credit. In 2026 there won't be a cap.

Example: you're a family of 4 who makes a total of $115,000 per year. In 2025 you would have received a $350 tax credit that made it possible for you to have a $1200 deductible, 20% coinsurance at roughly $900/m.

You head into 2026 expecting to make the same amount of money. You now qualify for a $340 tax credit and the most similar plan with the same carrier will cost you roughly $1400/m.

All your other bills are going up, now you need to bring in more money, so you grab all the overtime or find another job. Your income goes from your expected $115k to $130k. You file your taxes. Your APTC went from $340 to $0 You now owe $340x12 or just over $4000 when you go to file your taxes. Thats twice as much as you would have owed in a previous year.

The premium increases will be tough enough, don't mess around with your income this upcoming year, know your numbers and update the marketplace if they change.

Federal Poverty Level varies based on family size, check your numbers at the link. 2026 numbers aren't out yet but you can get a feel for how they increase and what they were in 2025.

Learn about the Federal Poverty Level (FPL) by reviewing the definition in the HealthCare.gov Glossary.

11/02/2025

2026 - the year of the HSA

Here's a quick and dirty breakdown of HSA eligible insurance plans...if you're looking to maintain more control over your money, lower your taxable income, and still have some protection against catastrophic events, an HSA eligible plan might be the plan for you!

10/28/2025

If you're one of the hundreds of people receiving this green envelope in the mail then you already know you have support for navigating health insurance for 2026 and we thank you for your continued support.

On a normal year, you can usually do alright without our level of support, but this is not a normal year. There will be uncertainty, there will be higher premiums, there will be higher max out of pockets...but there are ways to work with this and that's where we come in.

We have plans that help off set higher deductibles and max out of pockets. We know the new rules that increase options. We're here to help you.

10/15/2025

Today might be the first day of Annual Enrollment Period, but that won't stop us from putting some time in volunteering with one of the best Chamber's around!

Elizabeth Meader of Crown Point Services, a volunteer in today's Operation Thank You (membership appreciation day), visited and thanked NECC Boats for their investment in the Greater Rochester Chamber of Commerce and delivered the new 2025-2026 Business Referral Directory and Rochester Community Guide publications. Operation Thank You is sponsored by Newburyport Bank and Waste Management.

09/21/2025

self-insure
verb
: to insure oneself

Not to cancel your insurance and cross your fingers nothing happens 🤞🏼

But rather, to have a plan that works for you. You can afford a doctors appointment or two.
You can afford an urgent care visit.

You cannot afford a cancer diagnosis.
You cannot afford an extended hospital stay after a heart attack.

Self-insure and self-pay for what you can afford.
Buy insurance and let the insurance company pay for what you cannot afford.

We aren't new to these conversations, we've been doing planning like this for years.

If you get your premium for next year and start thinking "how am I going to afford this?" talk to us. We get it.

08/23/2025

It’s a gorgeous day at we’re trackside judging the burnout competition, put on by at 1pm today, come out and see the show!!

08/19/2025

We’ll be trackside judging the burnout comp! Come see us!!

07/14/2025

In the coming months we will be sharing as much information as we can about the changes coming to health insurance.

And while there is still much to be determined there is one thing that will remain true, we will be here for you.

You may see our availability change and our services diversify, but it’s all so that we can be positioned to continue helping the individuals and small businesses that we’ve grown with through the last 5 years.

If these strategic changes allow us to help you in other ways too, then that’s amazing, but either way we’ll be in the health insurance industry for as long as possible.

03/21/2025

Due to an overwhelming positive response, a livestream/video recording option is now available for the SOLD OUT 2025 Humble Hoof Podiatry Clinic. We have created an "Early Bird" pricing option available now!

This clinic will take place October 25-26, 2025, with lectures each morning followed by demo sessions in the afternoon. Demo sessions include equine body assessment and groundwork exercises with Celeste Lazaris, radiograph study and balance assessment and hoofcare decisions with Dr. Jenny Hagen, hoof balance assessment to radiographs with Ula Krzanowska, and biomechanics study with Pat Reilly.

The video option includes livestream (and subsequent recordings) of the morning lectures each day, and video recording ONLY of the 16 individual demos throughout the weekend. We unfortunately cannot livestream the demos, as we have 4 small group sessions that will occur simultaneously at any given time.

Please note that the livestream/video recording option is non-refundable unless the clinic is cancelled.

*Due to the added expense and logistics for livestream, if we don’t have enough interest, we will cancel this option and refund the purchase price to those that have already purchased.

You can register for the LIVESTREAM/VIDEO RECORDING option at this link: https://thehumblehoof.com/product/october-25-26-2025-livestream/

Again - this clinic is SOLD OUT but we do have a waitlist if you would like to be added.

A huge shout out to our clinic sponsors for helping us bring these great clinicians to MA!

Custom Equine Nutrition, LLC - what we feed all our rehab horses here on the farm to grow the healthiest hooves possible!
Kahn Forge, Inc. - fantastic farrier supplies and tools
Progressive Hoof Care Practitioners Practitioners - an incredible hoofcare education organization with a wonderfully supportive community
Equibalance Farrier Services - one of my amazing mentors and a great farrier based in NH!
Hometown Hoofcare - a wonderful hoofcare provider in AZ
Crown Point Services- for your insurance needs!

We do have some sponsorship spots still open and some do include in person participation in the clinic, so reach out if you’d like to help make this clinic happen.

01/31/2025