RiyaSure Agency

11/07/2025

Real Ways to Pay LESS for Health Insurance in 2026 (without downgrading your life):

1) If you’re healthy and 64 or younger, private coverage can offer highly discounted rates with higher benefits. Not seen on ACA/marketplace.

2) If you’re self-employed look at HDHP + HSA = Low monthly cost and you get pre-tax dollars (keep more of your income and can invest like a retirement account)

3) Ask your broker for alternate networks within the same carrier. This is a glitch nobody talks about. Same carrier. Same doctors. Same formulary. But a smaller network label means a lower premium.

I’ve cut people’s cost by hundreds a month simply by flipping them to a different network.

4) Stop defaulting to PPO if 90–95% of your care is local → HMO or EPO networks can save you serious money.

I’ve had clients save thousands per month switching off PPO while keeping their same doctors.

More “quiet” 2026 savings plays:

1) Review your meds
Rx change (or generic swap) can drop you a whole pricing tier. Talk to your doctor to see if other forms of your medication will work for you.

2) Don’t auto-renew
The #1 way people overpay is staying on last year’s plan “just because.” Make sure to check what the new plans our and do a policy review and comparison with your broker.

Bottom line:
You save money by being strategic. If you need help or reassurance in your 2026 coverage, please reach out!

05/02/2025

Blessed with the best!!

04/07/2025

03/28/2025

Next Thursday, April 3rd, join us for an inspiring keynote presentation by Riya Mahajan!

Riya will be sharing valuable insights into the health insurance industry, highlighting the solutions that her company, RiyaSure Agency, provides for individuals, families and businesses.

We would like to extend a special invitation to any 10-99 workers and small business owners (with fewer than 50 full-time employees) to attend and gain useful information tailored just for you. Don’t miss out! DM us today to get registered.

11/22/2024

11/11/2024

, sending respect, recognition, and gratitude to all men and women who have served our country and kept us safe 🇺🇸

Let’s talk about the key differences in healthcare for active duty military, veterans, and civilians:

Active Duty Military:
- Healthcare Provider: Department of Defense (DoD) through TRICARE.
- Coverage: Comprehensive, including medical, dental, vision, and mental health services.
- Cost: Typically free or very low cost.
- Access: Military hospitals and clinics, as well as civilian providers within the TRICARE network.

Veterans:
- Healthcare Provider: Department of Veterans Affairs (VA).
- Coverage: Comprehensive care, focusing on service-related conditions, mental health, rehabilitation, and preventive care.
- Cost: Varies; some veterans receive free care, while others pay co-pays based on income and service-connected disabilities.
- Access: VA hospitals and clinics, with some options to use private providers through programs like the Veterans Choice Program.

Civilians:
- Healthcare Provider: Private insurance companies, employer-sponsored plans, or government programs like Medicaid and Medicare.
- Coverage: Varies widely depending on the plan; can include medical, dental, vision, and mental health services.
- Cost: Varies; can include premiums, deductibles, co-pays, and out-of-pocket expenses.
- Access: Private hospitals, clinics, and healthcare providers within the insurance network.

Regardless of what you’re going through, I am here to help. Reach out when you’re ready to pay less and get more from your coverage!

10/24/2024

As we approach , many individuals, families and employers are bracing for significant increases in health insurance premiums across various markets.

In the public market, we’re seeing significant rate hikes driven by funding challenges and heightened demand for services. While the American Rescue Plan helped many find affordable options, the expiration of certain subsidies could mean higher costs for those who don’t qualify. It's essential to explore available plans within the 10-week timeline and understand your eligibility for financial assistance.

The employer-sponsored market is similarly affected, with employers facing substantial premium increases each year. Rising healthcare utilization and chronic health issues among employees contribute to this trend, compounded by limited insurance options that reduce competition and exacerbate costs. We will be seeing a greater share of costs, leaving employees to bear the burden.

Conversely, the private market tends to offer more stability in annual rate increases. This market is characterized by the ability to customize benefit packages, allowing everyone to better meet their specific needs and not pay for services they will not utilize. This flexibility often leads to better health outcomes and increased satisfaction, which helps mitigate rising costs, however government subsidies cannot be applied to these policies.

10/23/2024

I provide comprehensive health insurance in 33 states across the US! Working with all providers in the country, I am proud to offer my clients the best care possible, with a wide network of doctors and hospitals to choose from. Whether you're looking for individual, family, or employer-sponsored plans, I’ve got you covered.

Open Enrollment is quickly approaching in one week, and it’s crucial to make sure you’re working with a licensed agent to guarantee the highest benefits at the lowest rate. If you reside in any of the green states below, give me a call to get specified quotes and information!