Kelli with Healthsavingsolutions

08/20/2026

🚨 Don’t hit snooze on your Annual Enrollment window! 🚨

It is easy to let benefits enrollment slide to the bottom of your to-do list, but treating it like an "auto-renew" subscription can be a costly mistake. Your health, your family, and your budget change every year—meaning your benefits should too! 💼✨

Why you need to review your options this year:

👉 Rates change: What was the cheapest plan last year might not be the best deal now.
👉 Formularies shift: Check if your regular prescriptions are still covered under the same tiers.
👉 Hidden perks: Look for new wellness incentives, mental health resources, or dental/vision upgrades.
👉 Tax savers: Adjust your HSA or FSA contributions to lower your taxable income.

Set a calendar reminder, gather your documents, and give your future self the gift of protection and savings. 🗓️💪

08/18/2026

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicare health and prescription drug plans for the upcoming year. The Medicare AEP runs from October 15th to December 7th every year, making now a potentially advantageous time to review your current coverage and plan ahead for any changes next year.

Thinking about this now, before the period opens, can make the process easier and give you enough time to compare options and make an informed decision about your care. Swipe for a few areas to revisit as you prepare for the beginning of the AEP.

A little preparation now can make the process simpler and help you choose coverage that fits your needs. That said, if you’d like to go over your current plan, feel free to reach out. We are always here to help you carefully assess your needs so you can make an informed decision.

08/10/2026

08/10/2026

For many business owners, mid-year is a natural time to reflect on how the year has gone so far and start planning for a strong finish. One area to review during this time is employee benefits.

Reviewing your benefits offerings now gives you the opportunity to make thoughtful adjustments that support both your team and your long-term business goals. A proactive approach today can help position your business for success at year-end and beyond.

If you have not taken a fresh look at your benefits strategy this year, give us a call and let’s review your approach together. We are here to help you make informed, strategic decisions for the future.

08/06/2026

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

08/03/2026

07/29/2026

Medicare’s annual election period (AEP) might feel far away, but the best time to ask questions is long before the deadlines hit.

When you start exploring your Medicare options early, you give yourself time to understand what is actually covered, compare plans that fit your doctors and prescriptions, and avoid last-minute stress or rushed decisions.

A simple conversation now can make your AEP enrollment window choices between October 15th to December 7th clearer, calmer, and more confident.

If you’re unsure where to start or what to ask, reach out. We’re here to walk with you through your Medicare questions, step by step.

05/14/2026

Turning 65 soon? Let us educate you on your Medicare options. Request a no cost consultation today!

https://www.healthsavingsolutions.com/

05/07/2026

The more you know, the better you can prepare. Contact us today with any questions you may have

📋 The Part A deductible is per benefit period, not per calendar year. A benefit period ends 60 days after discharge, so you can be charged more than once in the same year.

Part A skilled nursing coverage runs 100 days, but it is not all free. Days 1-20 are covered in full, and days 21-100 carry a $217/day coinsurance in 2026.

Part B IRMAA starts at $109,000 MAGI for individuals and $218,000 for joint filers. It uses income from two years prior, so 2024 income sets your 2026 premium.

Medigap and Medicare Advantage both fill the 20% cost-sharing gap Part B leaves open. Medigap pays secondary to Original Medicare and keeps you in that provider network. Medicare Advantage replaces Original Medicare with a private plan that has its own network and prior authorization rules.

One note for people still working past 65: enrolling in Part A disqualifies you from making new HSA contributions going forward.