The Health Plus One Blog
Plain-language guides to help you understand your insurance options and make better decisions.
Will Your Doctors Still Be In-Network Next Year? How to Check Before AEP
Provider networks change every year. Here's how to verify your doctors, specialists, and hospitals are still in-network before AEP.
Using Life Insurance Cash Value in Retirement (And Why It's Not a Magic Account)
How permanent life insurance cash value can supplement retirement income — with the real costs, trade-offs, and honest caveats you should weigh first.
5 Things to Review Before Medicare's Annual Enrollment Period
A pre-AEP checklist: review your costs, doctors, drugs, benefits, and star ratings before October 15 to avoid overpaying next year.
Understanding Medicare Star Ratings: Why They Matter for Your Plan Choice
Medicare star ratings measure plan quality on a 1-5 scale. Learn what each rating means and how a 5-star plan unlocks special enrollment.
Your Medicare Plan Was Discontinued for 2027 — What to Do
If your Medicare Advantage or Part D plan is ending in 2027, you have options. Here's what a discontinuation means and how to find replacement coverage.
The Gift That Outlasts Every Toy: Why Whole Life for Your Baby Is a Smart Move
A quiet power of a paid-up whole life insurance policy started in the first months of a child's life.
How to switch Medicare plans during Annual Enrollment Period
The Annual Enrollment Period runs October 15 – December 7. Here's a step-by-step guide to switching.
Medicare Advantage vs. Medicare Supplement: What's the difference?
Two very different ways to expand your Medicare coverage. Here's how to decide which is right for you.
Term vs. whole life insurance: Which one should you get?
A no-jargon breakdown of the two most popular life insurance options and who each one is best for.
How independent brokers can grow their Medicare book in 2026
Strategies for reaching more Medicare-eligible clients and building long-term relationships that generate referrals.
Hospital Indemnity Plans: Protect Yourself From High Copays and Deductibles
A hospital indemnity plan pays cash directly to you for every day you're hospitalized — covering the copays and deductibles that Medicare and major medical leave behind.
Dental & Vision Insurance: What It Covers, What It Costs, and Who Needs It
Dental and vision care can cost thousands out of pocket. Learn how standalone dental and vision insurance works, what it covers, and whether it's worth it for you.
ACA Health Insurance Explained: Subsidies, Metal Tiers, and How to Actually Save Money
Millions of people qualify for free or heavily discounted ACA Marketplace coverage and never claim it. Here's how subsidies, metal tiers, and enrollment periods actually work.
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