Health Insurance Provider is not going to be on the Marketplace
The UM Health Plan will no longer be available on the Health Insurance Marketplace beginning in 2026, leaving many Michigan residents wondering what their next steps should be. If you are currently enrolled in this plan, it’s important to understand how this change will impact your coverage and what actions you need to take to […]
2026 Marketplace Proposal
Understanding the 2026 Marketplace Proposal: Key Changes for Consumers The Centers for Medicare & Medicaid Services (CMS) has proposed several updates to the Health Insurance Marketplace for 2026. These changes could impact how consumers enroll in coverage, what plans they qualify for, and how financial assistance is determined. Below, we break down the key points […]
Understanding Long Term Care
Planning for retirement often brings thoughts of travel, hobbies, and time with family. However, one critical aspect that is frequently overlooked is long-term care. As individuals age, the likelihood of needing some form of long-term care increases, and without proper planning, the costs can become overwhelming. For residents of Saginaw, Port Huron, and Bay City, […]
Financial Certainty In An Uncertain Market
Planning for retirement comes with many financial decisions, and one of the biggest concerns is ensuring a steady, reliable income. Many retirees or those nearing retirement want a safe investment option that offers predictable returns without the ups and downs of the stock market. Multi-Year Guarantee Annuities (MYGAs) provide a stable solution for those looking […]
Income Protection Insurance
Life is unpredictable, and for many people, their ability to earn a paycheck is their most valuable financial asset. Whether you’re a farmer, a contractor, a chiropractor, or a small business owner, your income keeps everything moving—from paying the mortgage to covering daily expenses. But what happens if an illness or injury prevents you from […]
Life Insurance 101: Understanding Term, Universal, and Whole Life Insurance
Life insurance is a valuable tool for securing your family’s future, but with so many options, it can feel a bit overwhelming. If you’ve ever wondered what the difference is between Term, Universal, and Whole Life insurance, you’re not alone! Here, we’ll break down these three popular types, highlighting the basics so you can choose […]
Its Open Enrollment!
Why Now’s the Time to Review or Enroll in a Health Insurance Plan Open Enrollment is here, and it’s your opportunity to either choose a new health insurance plan or make sure your current one still meets your needs. From November 1st to December 15th, you can select a new plan or make adjustments to […]
Disability Insurance Breakdown
Why Disability Insurance is Crucial for Families with a Sole Provider In a family where one person provides the primary income, there’s a lot riding on that paycheck. Whether you’re in Saginaw, Bay City, Vassar, Reese, or Caro, Warren, Mount Clemens, Port Huron, or Roseville, relying on a single income means it’s important to think […]
How Michiganders Are Losing Medicaid—and How You Can Still Get Affordable Health Insurance
In the wake of changes to Medicaid coverage, many Michiganders are finding themselves unexpectedly uninsured. If you or a loved one has recently lost Medicaid, you might be wondering what your options are for finding affordable health insurance. The good news? You can still find coverage through the Health Insurance Marketplace, and depending on your […]
