Health insurance is full of terms that can feel overwhelming. Deductible, copay, and coinsurance are three of the most important, but also the most confusing. If you’ve ever wondered how they work or how they affect your budget, this deductible copay coinsurance...
The countdown is on: Open Enrollment 2026 for Marketplace health insurance starts November 1, 2025. If you buy your own coverage through the Affordable Care Act (ACA) Marketplace, now is the time to start preparing. Whether you’re in Kansas or one of the 29 states...
The One Big Beautiful Bill Act changes are set to bring sweeping shifts to U.S. health coverage—some happening immediately, and others rolling out over the next few years. While many of the most dramatic changes, like large Medicaid cuts, won’t take effect until 2027,...
The ACA subsidy cliff 2026 is approaching — and for many Marketplace health insurance enrollees, it could mean a significant jump in monthly premiums. After several years of relief provided by the American Rescue Plan (ARP) and its extension through the Inflation...
Independent Insurance Agent Benefits Provide Superior Protection for Families Independent insurance agent benefits extend far beyond what direct writers or captive agents can offer. At ICT Insurance, our independent advisors in Wichita, Great Bend, and Overland Park...
Turning 65 Medicare Guide: Essential Preparation for Your Enrollment This turning 65 Medicare guide provides the roadmap every senior needs to navigate the complex transition to Medicare coverage. At ICT Insurance, our Medicare specialists in Wichita, Great Bend, and...
Annuities Create Retirement Security That Many Americans Desperately Need Annuities create retirement security that's becoming increasingly essential as traditional pensions disappear and Social Security faces funding challenges. At ICT Insurance, our retirement...
Medicare Advantage vs Medicare Supplements: The Critical Decision Every Senior Faces Medicare Advantage vs Medicare Supplements represents the most consequential healthcare decision facing seniors today. At ICT Insurance, our Medicare specialists in Wichita, Great...
Long-Term Care Myths Could Devastate Your Retirement Security Long-term care myths continue to mislead Americans about one of retirement's biggest financial threats. At ICT Insurance, our specialists in Wichita, Great Bend, and Overland Park have seen firsthand how...
Self-Employed Health Insurance Options Every Entrepreneur Should Consider Self-employed health insurance options remain one of the biggest challenges for entrepreneurs, freelancers, and small business owners. Without the benefit of employer-sponsored group plans,...
