Blog

Hands holding a red calculator over a pile of receipts and papers.
By Laura Booty November 24, 2025
ACA premiums could rise by 18% in 2026, driven by medical cost inflation and subsidy expiration. Learn what's driving the hikes and how to prepare now to protect your budget during Open Enrollment.
Person's hand held by another's. Elderly person holds yellow ball. Two other people are visible.
By Laura Booty November 17, 2025
Don't assume Medicare pays for long-term care! Learn the critical difference between Assisted Living, Custodial Care, and Skilled Nursing, and what Medicare actually covers (and what you must plan for).
Laptop, notebook, and scrabble letters spelling
By Laura Booty November 10, 2025
Beyond premiums: Learn what health insurers actually do. Understand how they coordinate care, negotiate costs, manage claims, and influence your treatment and out-of-pocket spending.
Man sitting in a teal rolling walker on a paved path in a park, with a white bench in the background.
By Laura Booty November 3, 2025
Veterans, confused about VA benefits vs. Medicare? Learn how these two programs work together to expand your healthcare options and why you should enroll in both for maximum coverage and peace of mind.
A young woman wearing glasses stands on a street median, smiling broadly at the camera.
By Laura Booty, LB Insurance September 25, 2025
When people think about health insurance, they often focus on the big stuff—doctor visits, hospital stays, and prescriptions. But what about your teeth and eyes? Dental and vision coverage are just as important, yet often overlooked. Here’s why they matter and how you can protect your total well-being.
An older man in a business suit takes notes in front of the computer screen.
By Laura Booty, LB Insurance September 25, 2025
Medicare is a valuable resource for many Americans, offering essential healthcare coverage for those 65 years and older. (In certain circumstances it is offered to those under 65.) But what if you’re still employed and have health insurance through your employer?
Health Insurance spelled out with tiles
By Laura Booty, LB Insurance September 25, 2025
The Affordable Care Act (ACA), also known as Obamacare, continues to provide individuals and families with access to comprehensive, affordable health coverage. Whether you're already enrolled or considering a Marketplace plan for the first time, it’s important to understand how the ACA works and what’s new for 2025.