Welcome to ITK Insurance Articles

The Protection Most Families Forget

Most people insure what they can see. We insure our cars, homes and health. But many families never insure the one thing that makes everything else possible…their income. When someone dies unexpectedly, the emotional loss is the hardest part. But there is also a financial reality families must face almost immediately: Too often families end up relying on fundraisers or GoFundMe campaigns because no financial protection plan was in place. While communities often step up to help, financial preparation is something we can control ahead of time. Life insurance is …

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Why Congress Keeps Misunderstanding How Americans Actually Get Health Insurance

Much of the national conversation about health insurance still assumes one thing: that most Americans get coverage through a traditional employer. That assumption no longer reflects reality. While employer-sponsored insurance still exists, it no longer represents how millions of Americans actually live, work, or earn income. When policy decisions are built on outdated models of work, the result is confusion, disruption, and unintended consequences for everyday people. The American Workforce Has Changed The modern workforce looks very different than it did 20 or even 10 years ago. Many people today …

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Medicare in 2026: What You Need to Know Now

As your local health insurance advisor, I always aim to keep you In The Know. With Medicare changes coming in 2026, it is important to prepare early, review your coverage, and understand how these shifts may affect your costs and options. Below are the key updates to watch for this AEP (Annual Election Period). Part B Premium Will Increase in 2026 The standard Medicare Part B premium is currently $185 per month for 2025. In 2026, it is projected to rise to $206.50 per month, which would be one of …

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What You Need to Know About Upcoming ACA Marketplace Changes

The Affordable Care Act (ACA) Marketplace continues to serve as an essential path to affordable health insurance for many individuals and families. Starting later this year and into 2026 and 2027, new federal rules will change how the Marketplace works. These changes could impact your premiums, coverage eligibility, and what you need to do to keep your plan. If you enrolled on your own without an agent, or if it has been a while since you reviewed your application, now is the time to prepare. Upcoming Changes That Could Affect …

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Staying In the Know: What I Learned at the CMS 2025 Marketplace Meetup

Earlier this week, I traveled to Washington, D.C. to attend the 2025 CMS Agent and Broker Marketplace Meetup. This wasn’t just another event, it was a chance to hear directly from the federal agency that runs the Marketplace Exchanges and to get ahead of the changes coming to the plans many Virginians rely on for health insurance. I attended in person because staying informed is part of how I serve. My goal is to make sure that when a client works with me they are working with someone who shows …

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