Harshman Insurance Agency

10/30/2026

Life insurance needs change as life does, and that's where laddering comes in. Life insurance laddering can allow you to align your coverage with your evolving financial responsibilities. Swipe through to learn more.

If you're interested in discussing life insurance laddering or wondering if it's the right approach for you, give us a call. We are happy to help.

10/27/2026

When a life insurance policy pays a death benefit, beneficiaries may have more than one way to receive the funds. Understanding the available settlement options can help individuals choose an approach that aligns with their financial goals, income needs, and long-term plans. Swipe to learn more.

Every financial situation is unique, and the right settlement option will depend on individual needs and objectives. If you have questions about life insurance settlement options or would like guidance on your choices, contact our team today. We're happy to help.

10/21/2026

On October 14, 2026, the Social Security Administration (SSA) announced a 3.6% cost-of-living adjustment (COLA) for 2027, marking the largest increase in Social Security benefits since 2023.

With this adjustment affecting approximately 76 million Americans receiving Social Security or Supplemental Security Income (SSI) benefits, we wanted to share a breakdown of what’s changing and what it could mean for you. Swipe to learn more.

Understanding how changes to Social Security benefits and Medicare costs may affect your monthly budget can help you better anticipate your healthcare expenses. We hope you found this helpful as you plan for the year ahead. As always, reach out with any questions or needs.

10/20/2026

ACA Marketplace open enrollment begins November 1.

If you are enrolling for the first time or reviewing your current health insurance plan, I can help you look at options that fit your needs and budget. The right coverage is personal, and it should reflect your healthcare needs and circumstances.

As an independent insurance agent serving Sun City West and clients across multiple states, I am here to provide personalized guidance. Reach out to Harshman Agency to get started.

10/15/2026

From October 15th through December 7th, Medicare beneficiaries can review their coverage and make changes for 2027 during the Medicare Annual Enrollment Period (AEP). During this time, Medicare beneficiaries can:

✅ Switch from Original Medicare to a Medicare Advantage plan, or vice versa.
✅ Change from one Medicare Advantage plan to another.
✅ Add, change, or drop Medicare Part D prescription drug coverage.

This is also a good time to assess whether your current plan still meets your needs. Costs, covered medications, provider networks, pharmacies, and plan benefits can change from year to year, so even if you were happy with your coverage last year, it's worth taking a fresh look.

If you have any questions about your current plan, please don't hesitate to reach out to our team. We are here to be a resource for you.

10/13/2026

Finding doctors who work with your Medicare plan is an important step in choosing coverage that fits your needs. Your preferred providers, prescriptions, and health circumstances all matter—and the plan that works for someone else may not be the right fit for you.

At Harshman Agency, I provide personalized Medicare guidance for clients in Sun City West, Arizona, and across multiple states. Whether you are turning 65, reviewing Medicare Advantage options, or considering a Medicare Supplement plan, I can help you understand provider networks and your coverage choices with confidence.

Have questions about your Medicare options? Reach out to me today.

10/08/2026

Health insurance documents can feel overwhelming, especially when you are comparing coverage, costs, and benefits.

During Health Literacy Month, I am helping make the details easier to understand by breaking down three important documents that can guide your coverage decisions.

As an independent insurance agent, I believe your plan should fit your doctors, prescriptions, health needs, and personal circumstances—not someone else’s.

If you have questions about Medicare, Medicare Advantage, Medicare Supplement, or other health coverage options, reach out. I am here to provide personalized guidance and help you make sense of your benefits.

10/06/2026

Choosing the right Medicare coverage is a big decision. Two types of coverage that are often conflated but serve very different purposes are Medicare Advantage and Medicare Supplement (Medigap). Swipe through for a clear side-by-side breakdown to help you determine which option is the better fit for your situation.

If you have questions or want to talk through your options, send our office a message today. We are here to help.

09/29/2026