Insurance Insights
Expert Guides and Articles for Confidently Navigating Health, Life, and Medicare Insurance
2026 Medicare Prior Authorization Changes and What They Mean for You
The 2026 Medicare prior authorization changes are finally addressing one of the biggest pain points in the Medicare system — delays in care. Starting January 1, 2026, new federal rules will streamline and speed up the prior authorization process, especially for...
New HSA Rules in 2026 You Need to Know Before You Choose a Health Plan
2026 HSA rules are expanding what counts as a high-deductible health plan — and that means more flexibility, more savings, and more choices when selecting your insurance this year. Thanks to updated federal guidelines from the IRS and Healthcare.gov, bronze and even...
7 Costly Life Insurance Myths to Avoid
Are you unsure about life insurance? You aren't the only one. A lot of Americans don't get life insurance at all because of common myths about it. The issue is that those myths can cause big money problems, especially if something unexpected happens to your family. No...
5 Smart Ways to Use Your Health Insurance Before the End of the Year
The clock is ticking to use your health insurance before the end of the year. Whether you’re on an ACA plan, employer coverage, or Medicare, these last few weeks are your chance to use benefits that may disappear when the calendar resets. If you don’t take action now,...
9 Surprising Things That Happen to Life Insurance if You Don’t Die
One of the most common questions people ask is what happens to life insurance if you don't die during the policy term. It’s a fair question — especially if you’re healthy and investing in a policy for years. The answer depends on the type of policy you have, but the...
7 Surprising Reasons Why Health Insurance Is So Expensive
If you're asking why health insurance is so expensive, you're not alone. Across the United States, both individuals and families face rising monthly premiums, higher deductibles, and shrinking provider networks. But understanding the root causes of these costs can...
How to Choose the Right Health Insurance Plan: Expert Tips from ICT’s Drew Walters
How to choose the right health insurance plan is one of the most important decisions families make—but it’s also one of the most confusing. From ACA plans to health shares and short-term coverage, the options can feel endless and overwhelming. In a recent episode of...
10 Essential Health Benefits ACA Plans Provide to Protect Families
The Affordable Care Act guarantees that all Marketplace health plans include a set of 10 essential health benefits ACA requirements. These benefits ensure that every individual and family gets comprehensive, reliable coverage — not just the basics. Knowing what these...
