American Insurance Benefits - Andy Orlikoff

10/12/2026

Medicare Open Enrollment 2027 Arizona: The Notices You Shouldn’t Ignore Before October 15

Medicare Open Enrollment 2027 Arizona officially opens October 15 and runs through December 7 — seven weeks to review your coverage and make changes for next year. But the window itself isn't the hard part; the hard part is the stack of notices that show up beforehand, which most people skim past without realizing what each one is actually telling them....

Medicare Open Enrollment 2027 Arizona starts October 15. Here’s which notices to watch for and what to check before the December 7 deadline.

10/05/2026

The Snowbird Medicare Advantage Trap: Why Your Plan May Not Follow You to Arizona

If you split your year between a home state and Arizona, your Medicare Advantage plan may not travel with you the way you assume. A recent case highlighted by 24/7 Wall St. makes the snowbird Medicare Advantage Arizona problem concrete: a woman who spends every February in Arizona found that while her HMO covers emergency and urgent care there, a routine, months-in-advance cardiology appointment could fall outside her plan's network — leaving her responsible for the entire bill....

Snowbird Medicare Advantage Arizona coverage has real limits. Learn why routine care outside your plan's network can leave you with the full bill.

09/29/2026

Arizona Health Insurance Rates 2027: The Highest Proposed Increase in the Country

If you buy your own health insurance through the ACA marketplace, brace yourself: Arizona health insurance rates 2027 are proposed to climb by a weighted average of 29% — and according to newly filed rate data, that is the single highest proposed increase of any state in the country. Not the highest in the Southwest. The highest, period. Arizona Health Insurance Rates 2027: How Bad Is It, Really?...

Arizona health insurance rates 2027 are proposed to rise 29% — the highest increase of any state. See why, and what Arizona ACA marketplace shoppers should do now.

09/22/2026

Your Medicare Advantage Annual Notice of Change should be arriving by September 30. This year brings more real changes than usual, with several carriers pulling back from markets for 2027. Before you assume "nothing changed," check your out-of-pocket max, provider network, and drug coverage tiers — not just the premium. Not sure what your letter means? Reach out through the website or give the office a call to talk it through before December 7.

Health insurance doesn’t have to be confusing. I help people across Arizona find the right coverage—whether it’s Marketplace plans, Medicare, or family protection—without the stress.

08/21/2026

264+ five-star Google reviews. Not because I sell the most — because I tell the truth.

A lot of agents push Medicare Advantage because the commissions are higher. I don't sell it at all. My clients get unbiased advice and a plan that actually works when they need it.

Independent broker. Surprise AZ & Calabash NC
(623) 742-3878 | azhealth.us
(910) 760-2124 | coastalcarolinahealth.com

08/21/2026

Turning 65 soon? Your Medicare window opens 3 months before your birthday — and closes 3 months after. Miss it, and you may need to qualify medically for a Medigap supplement plan.

I help folks in Surprise and across Arizona navigate this without the confusion. No pressure, no Medicare Advantage pitch — just straight answers.

Call or text: AZ (623) 742-3878 or Carolinas (910) 760-2124
www.azhealth.us and www.coastalcarolinahealth.com

Independent health insurance broker serving North & South Carolina. Medicare Supplements, ACA plans, dental, vision & life. Call (910) 760-2124.

12/09/2025

💸 ACA PLAN SHOCK? Stop Paying for Unusable Coverage!

Marketplace Premiums Too High? Deductibles Too Big? If your current plan feels like a bill collector, not insurance—we need to talk.
As an independent broker, I don't just offer the Marketplace. I shop all available alternatives to find cost-effective coverage that actually protects your wallet when you need it most.
It’s time for a plan that fits your life, not just the government exchange rules.

Let's get you coverage that makes sense.
⭐ See why my clients give 5 Stars: https://shorturl.at/iSiI0
📞 Call Andy Orlikoff: 623-742-3878 🌐 www.azhealth.us

Discover trusted health resources, expert guidance, and services designed to support your well-being across Arizona. Putting your health first, wherever you are.

10/14/2025

Obamacare, also known as the Affordable Care Act (ACA), Marketplace, or any other preferred designation, is projected to experience a significant increase in costs in 2026.

Blue Cross Blue Shield for example recently sent an email to brokers like myself, which is pictured below for your reference.

If you are interested in exploring alternative options, I would be happy to assist you.
www.AZhealth.us
Andy 623-742-3878