# ICT Insurance Group

> Kansas Insurance Experts: Health, Home, Auto


## Posts

- [New HSA Rules in 2026 You Need to Know Before You Choose a Health Plan](https://ictinsurance.com/2026-hsa-rules/): 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 catastrophic plans now qualify for HSA use. This opens the door for individuals and families in Kansas and across the country to access tax savings and lower monthly premiums — without sacrificing coverage. If you’re wondering how to make the most of your HSA in 2026, here’s what you need to know before open enrollment ends. What Are […]
- [7 Costly Life Insurance Myths to Avoid](https://ictinsurance.com/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 matter if you’re in your 30s, 50s, or already retired, clearing up the wrong information can help you protect the people who depend on you without spending too much or settling for the wrong plan. 7 Life Insurance Myths That Will Cost You 1. Life Insurance Costs Too Much This is a very […]
- [5 Smart Ways to Use Your Health Insurance Before the End of the Year](https://ictinsurance.com/use-your-health-insurance-before-the-end-of-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, you could miss out on covered services, lose unused account funds, or pay more for the same care in January. Let’s walk through five smart ways to make the most of your coverage now — and protect your wallet later. 5 Smart Ways to Use Your Health Insurance Before the End of […]
- [9 Surprising Things That Happen to Life Insurance if You Don't Die](https://ictinsurance.com/what-happens-to-life-insurance-if-you-dont-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 good news is this: you don’t always “lose” the money you’ve paid. In many cases, you may receive cash value, conversion benefits, or have the chance to reinvest that value for the future. What Happens to Life Insurance if You Don’t Die During the Term 1. Term Policies Expire Without […]
- [7 Surprising Reasons Why Health Insurance Is So Expensive](https://ictinsurance.com/7-reasons-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 help you make smarter choices, reduce your out-of-pocket expenses, and find a better plan. Below, we break down the 7 surprising reasons why health insurance is so expensive, and share what you can do today to cut costs and improve your coverage. What Are the 7 Biggest Reasons Why Health Insurance Is So Expensive 1. Medical Inflation Keeps Rising Faster Than […]
- [How to Choose the Right Health Insurance Plan: Expert Tips from ICT’s Drew Walters](https://ictinsurance.com/how-to-choose-the-right-health-insurance-plan/): 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 the Heal Without Harm Podcast, ICT Insurance Group’s Chief Operations Officer, Drew Walters, joins host Clayton Dir to break down the process. Together, they explore practical strategies, insider insights, and tools you can use to make smarter health insurance decisions. If you’ve ever wondered how to choose the right health insurance plan for your family, […]
- [10 Essential Health Benefits ACA Plans Provide to Protect Families](https://ictinsurance.com/10-essential-health-benefits-aca/): 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 benefits are helps you compare plans, avoid gaps in care, and protect your household financially. Understanding the 10 essential health benefits ACA rules mandate will help you feel confident heading into Open Enrollment 2026, which begins November 1, 2025. Every ACA plan is required to cover these 10 categories of care: 1. Ambulatory patient services Also called outpatient care, this […]
- [5 Reasons Why Healthy People Need Health Insurance](https://ictinsurance.com/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 insurance could leave you financially vulnerable and limit your access to care when you need it most. This guide outlines 5 important reasons why healthy people still need health insurance and how ICT Insurance Group can help you find affordable coverage in Kansas and across 29 other states. 1. Accidents and emergencies happen unexpectedly Even […]
- [Deductible Copay Coinsurance Explained: A Simple Guide to Health Insurance Costs](https://ictinsurance.com/deductible-copay-coinsurance-explained/): 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 explained guide will help you make sense of it all. By the end, you’ll know how these terms impact your wallet, how to compare plans more effectively, and what to watch for during Open Enrollment. What is a deductible? A deductible is the amount you must pay out-of-pocket before your insurance begins covering most services. For example, if […]
- [Open Enrollment 2026: Dates, Deadlines, and How to Prepare](https://ictinsurance.com/open-enrollment-2026/): 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 where ICT Insurance Group is licensed, this enrollment season could be one of the most important yet. When is Open Enrollment 2026? Open Enrollment runs from November 1, 2025, through January 15, 2026. Enroll by December 15, 2025 for coverage that begins January 1, 2026 Enroll between December 16, 2025 and January 15, 2026 for […]
- [5 Key One Big Beautiful Bill Act Changes That Could Impact Your Health Coverage](https://ictinsurance.com/one-big-beautiful-bill-act-changes/): 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, important adjustments to Medicaid, Marketplace coverage, and subsidies will hit much sooner. If you’re enrolled in Medicaid, purchase coverage through the ACA Marketplace, or are a low-income immigrant relying on subsidies, these changes could affect your eligibility, premiums, and coverage options. Understanding these shifts now can help you prepare before the new rules take hold. You […]
- [ACA Subsidy Cliff 2026: How the Return Could Impact Your Health Insurance Premiums](https://ictinsurance.com/aca-subsidy-cliff-2026/): 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 Reduction Act (IRA), the original income cap on ACA premium tax credits is scheduled to return in 2026 unless Congress acts. If you or your family buy your own health coverage, especially through the Affordable Care Act Marketplace, this change could directly affect your budget. What Is the ACA Subsidy Cliff? The ACA subsidy cliff is the point […]
- [Independent Insurance Agent Benefits: 7 Reasons to Work with a Local Broker](https://ictinsurance.com/independent-insurance-agent-benefits/): 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 deliver comprehensive independent insurance agent benefits that ensure optimal coverage and value for individuals and families across 30 states. As of July 2025, understanding independent insurance agent benefits is more critical than ever with rising premiums and increasingly complex coverage needs. Let’s examine 7 powerful independent insurance agent benefits that demonstrate why working with a local broker provides superior protection. 1. Independent Insurance […]
- [Turning 65 Medicare Guide: 7 Critical Steps to Take Before Your Enrollment](https://ictinsurance.com/turning-65-medicare-guide/): 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 Overland Park have helped thousands of clients successfully navigate the critical steps outlined in this turning 65 Medicare guide. As of July 2025, understanding the steps in this turning 65 Medicare guide is more important than ever with recent program changes and enrollment penalties. Let’s explore the 7 critical actions this turning 65 Medicare guide recommends taking before your Medicare enrollment. […]
- [Annuities Create Retirement Security: 7 Powerful Ways They Protect Your Financial Future](https://ictinsurance.com/annuities-create-retirement-security/): 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 specialists in Wichita, Great Bend, and Overland Park have helped thousands of clients discover how annuities create retirement security that other financial vehicles simply cannot match. As of July 2025, understanding how annuities create retirement security is more important than ever with recent market volatility and interest rate changes. Let’s examine 7 powerful ways annuities create retirement security that can protect your financial future. 1. Annuities Create Retirement […]
- [Medicare Advantage vs. Medicare Supplements: 8 Crucial Differences Every Senior Must Know](https://ictinsurance.com/medicare-advantage-vs-medicare-supplements/): 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 Bend, and Overland Park guide hundreds of seniors through this critical choice each year. As of June 2025, understanding the Medicare Advantage vs Medicare Supplements comparison is more important than ever with recent program changes affecting coverage options. The Medicare Advantage vs Medicare Supplements decision isn’t simply about premiums—it impacts everything from your doctor choice to your maximum out-of-pocket costs and travel coverage. Let’s examine 8 […]
- [The Shocking Truth: 6 Long-Term Care Myths That Could Drain Your Retirement Savings](https://ictinsurance.com/long-term-care-myths/): 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 these long-term care myths can devastate retirement savings and family finances. Nearly 70% of Americans over 65 will need some form of long-term care, yet dangerous long-term care myths prevent many from proper planning. Let’s expose the 6 most damaging long-term care myths that could drain your retirement savings and leave your family financially vulnerable in June 2025 and beyond. 1. Long-Term […]
- [9 Essential Health Insurance Options for Self-Employed Entrepreneurs in 2025](https://ictinsurance.com/self-employed-health-insurance-options/): 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, navigating self-employed health insurance options can feel overwhelming and expensive. At ICT Insurance, our specialists in Wichita, Great Bend, and Overland Park have helped thousands of self-employed professionals find affordable coverage solutions. Let’s explore the 9 most effective self-employed health insurance options available in 2025, helping you protect your health without breaking your business budget. 1. Marketplace Individual Plans (ACA Coverage) The Health Insurance Marketplace remains one of […]
- [5 Devastating Life Insurance Mistakes People Make (And How to Avoid Them)](https://ictinsurance.com/life-insurance-mistakes/): Life Insurance Mistakes Could Leave Your Family Financially Vulnerable Life insurance mistakes are not just costly—they can derail your family’s entire financial future. At ICT Insurance, our experts across Wichita, Great Bend, and Overland Park have witnessed countless families make life insurance mistakes that left their loved ones without adequate protection when they needed it most. These life insurance mistakes are common but completely avoidable with the right guidance. Let’s examine the 5 most devastating life insurance mistakes we see and provide expert advice on how to avoid them. 1. Choosing the Wrong Type of Life Insurance Policy The most […]
- [7 Critical Medicare Enrollment Deadlines You Can't Afford to Miss in 2025](https://ictinsurance.com/medicare-enrollment-deadlines/): Medicare Enrollment Deadlines Could Cost You Thousands If Missed Medicare enrollment deadlines are not just arbitrary dates on a calendar—they’re critical financial checkpoints that can save you thousands of dollars in penalties or gaps in coverage. As Wichita’s trusted Medicare advisors serving 30 states, we at ICT Insurance have seen too many seniors face harsh penalties simply because they missed a crucial Medicare enrollment deadline. Medicare enrollment deadlines are designed with specific windows of opportunity, and navigating these Medicare enrollment deadlines correctly is essential for your financial health and insurance protection. Let’s break down the 7 most critical Medicare enrollment […]
- [5 Things You Need to Know Before Open Enrollment Ends on December 7th](https://ictinsurance.com/open-enrollment-deadline-december-7/): Open enrollment is one of the most important times of the year for individuals and families to secure the health insurance they need for the upcoming year. Whether you’re exploring new coverage options, updating your current plan, or signing up for the first time, understanding the ins and outs of this process is crucial. With the December 7th deadline fast approaching, there’s no time to waste. Here are five essential things you need to know to make the most of open enrollment. 1. The Deadline Is Non-Negotiable The open enrollment period for 2024 health insurance coverage ends on December 7th, […]
- [ICT Insurance Group Recognized Among the 10 Fastest Growing Companies in Wichita](https://ictinsurance.com/ict-insurance-fastest-growing-companies-wichita/): Wichita’s local business landscape is full of dynamic growth, and ICT Insurance Group is honored to be named one of the 10 fastest-growing companies in Wichita by the Wichita Business Journal. This recognition is a reflection of our commitment to providing high-quality health, life, and Medicare insurance coverage to individuals and families, all while staying connected to our community and local values. A Proud Achievement for ICT Insurance GroupIt’s a significant milestone to be recognized among the top fastest-growing companies in Wichita, and we owe this achievement to the trust and support of our clients. Our growth reflects the value […]
- [ICT Insurance Group Highlighted in Wichita Magazine for Community Impact](https://ictinsurance.com/ict-insurance-group-highlighted-in-wichita-magazine-for-community-impact/): ICT Insurance Group is excited to be featured in Real Producers Magazine. As detailed in the article, our continued growth and dedication to customer satisfaction have made us a trusted name in the Wichita area. We are proud to serve our clients with personalized care and insurance products that meet their evolving needs. Learn more about how we are making a difference in Wichita and setting the standard for excellence in the insurance industry. https://issuu.com/lucciarini/docs/wichita_dec22/50
- [ICT Insurance Group Recognized Among Wichita's Leading Independent Insurance Agencies](https://ictinsurance.com/ict-insurance-group-recognized-among-wichitas-leading-independent-insurance-agencies/): We’re honored to among those featured in the Wichita Business Journal’s list of top independent insurance agencies in the Wichita area. This recognition reflects our commitment to providing personalized insurance solutions tailored to the unique needs of our clients. As a locally-owned agency, we take pride in our strong community ties and our ability to offer a broad range of insurance services. Explore what sets us apart and why ICT Insurance Group is a trusted partner for so many in the region. Read the full article https://www.bizjournals.com/wichita/subscriber-only/2023/05/19/the-list-wichita-area-independent-insurance-agencies.html
- [How Wichita's Emerging Leaders are tapping into artificial intelligence](https://ictinsurance.com/how-wichitas-emerging-leaders-are-tapping-into-artificial-intelligence/): ICT Insurance Group is proud to be part of Wichita’s thriving business community, where emerging leaders are tapping into the power of artificial intelligence (AI) to drive innovation and efficiency. As highlighted in a Wichita Business Journal article, AI is not just a buzzword—it’s a tool being embraced by local businesses to enhance decision-making, improve customer experiences, and streamline operations. At ICT Insurance Group, we’re staying ahead of the curve by exploring AI applications that will allow us to better serve our clients and continue to lead in the insurance industry. Read the full article here: https://www.bizjournals.com/wichita/news/2023/05/12/wichitas-emerging-leaders-tap-into-ai-uses.html
- [ICT Insurance Group to locate in one space near Central and Webb](https://ictinsurance.com/ict-insurance-group-to-locate-in-one-space-near-central-and-webb/): As part of our commitment to better serve our clients, we are moving into a new, spacious office located at 9435 E. Central near Central and Webb. This central location will allow us to streamline our operations and offer even more comprehensive insurance services under one roof. Our expanded team is ready to meet your insurance needs with the same dedication and expertise that you’ve come to expect. Read the full article here https://www.kansas.com/news/business/biz-columns-blogs/carrie-rengers/article257248482.html
- [Finding Affordable Health Insurance in Wichita](https://ictinsurance.com/health-insurance-wichita/)
- [Affordable Care Act: The Family Glitch](https://ictinsurance.com/family-glitch-affordable-care-act/)

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