Tristate Health Insurance Choices By Ginny

08/27/2026

Here is my site for Flex Benefits. More options to keep you covered.

Flexible Solutions that Fit You

07/30/2026

2027 Medicare Prescription drug plans

If you’ve seen headlines saying Medicare Part D costs are going up because federal subsidies are ending, here’s what you need to know.

The subsidies that are ending were NOT payments to Medicare beneficiaries. They were TEMPORARY payments to insurance companies designed to help offset the cost of major changes made by the Inflation Reduction Act.

Beginning in 2025, the law eliminated the Part D coverage gap (“donut hole”) and capped annual out-of-pocket prescription drug costs. Those changes shifted more financial responsibility to Part D plans/carriers, so CMS created a temporary demonstration program to help stabilize premiums while the market adjusted.

That demonstration program is ending after 2026.

What does that mean for you?

It means some Part D premiums could increase in 2027. It does NOT automatically mean your prescription drug costs will increase because the subsidies are ending. It also does NOT affect Medicare’s Extra Help program or eliminate the annual out-of-pocket protection that beneficiaries now have.

The reality is we don’t yet know what 2027 Part D premiums will look like. Carriers are still filing plans, and CMS is reviewing them. We’ll have a much clearer picture once 2027 plans are released this fall.

Until then, be cautious of headlines that suggest everyone will see higher drug costs. The situation is more nuanced than that.

As always, review your coverage during Annual Enrollment. Every year is different, and 2027 will be no exception.

07/27/2026

FYI:
Medicare Part B is projected to be $209.50 for 2027. We'll see what the final projection will be.

06/18/2026

We are working on offering major medical insurance. Give me a call for a quote.

06/18/2026

Good morning! Sending out wishes for a great day! :)

Send a message to learn more

06/05/2026

We are now working alongside Aflac to offer more benefits to employees and companies to help solve the no insurance problems. No cost to the company, and the company also saves money.

Tristate Health Insurance Choices
Ginny Monk
928-433-7702

05/29/2026

We are adding new benefits and servicing solutions in the coming weeks. Stay tuned for more info.

Send a message to learn more

05/29/2026

Good morning! I now offer Aflac Benefits. Let me know if I can help you with some extra benefits. Dental/Vision, Life, Accident, and more.

Tristate Health Insurance Choices
928-433-7702
Independent Broker
Ginny

01/20/2026

Keeping your family covered with the right insurance isn’t just a financial decision, it’s an act of love.

Life is full of surprises, and not all of them are good ones. The right insurance gives your family a safety net when the unexpected happens. It means medical bills won’t become a crisis, a loss of income won’t turn into a loss of stability, and your loved ones won’t have to carry the weight alone.

When you choose the right coverage, you’re really choosing peace of mind. You’re saying, “No matter what comes our way, my family is protected.” It’s about being able to sleep at night knowing that if life throws a curveball, you’ve already prepared for it.

Protecting your family isn’t just about today, it’s about tomorrow, too. The right insurance helps make sure their future stays bright, secure, and full of possibility.