Insurance Insights
Expert Guides and Articles for Confidently Navigating Health, Life, and Medicare Insurance
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...
5 Reasons Why Healthy People Need Health Insurance
Why healthy people need health insurance is a question many people ask. If you’re young, active, and rarely visit the doctor, you might wonder whether health insurance is worth the cost. It’s a common thought: why pay for coverage you might not use? But skipping...
Deductible Copay Coinsurance Explained: A Simple Guide to Health Insurance Costs
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...
Open Enrollment 2026: Dates, Deadlines, and How to Prepare
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...
