You can expect premiums to be approximately 7-13% higher, across the board, in 2023. For HMOs, the rate increases will be on the higher end, compared to the lower end of that range. Here’s what you need to know.

  • Open Enrollment begins Nov 1, ends Jan 15, 2023

  • If you want the lowest premiums, then you must use either the state-specific exchange or

  • You can get an estimate: watch the video by clicking on the image.

DIY? You ‘can,’ but the cost of errors can be $1000s of lost savings, or IRS penalties. This should not be a secret to anyone, for long-time subscribers.

For newcomers, you can watch this.

  • Even if you are an existing client (thank you), you need to do this.

  • The ONLY EXCEPTIONS are those that are Comprehensive Financial Planning clients. You do nothing, you are already, permanently, at the top of the list.

  • If you have a complicated financial interaction issue, then send an email, we will agree on the scope of work, you will be placed at the top of the list.

Medicaid always always always free. No exceptions, ever. I don’t care if it takes 100 hours to resolve that individual situation. We will find or make the time. If you have a person or know a person that is severely struggling, put “Medicaid” in the subject line.

The state doesn’t matter (I used this image because I am going to be at a soup kitchen today, and this will be provided. I will do my part, please do yours.

If someone you know has both of these cards, then extra benefits await, to a population that needs the extra benefits the most.

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