Medicare & ACA news

From October 15 to December 7 you can switch Medicare Advantage plans, change your Part D drug plan, or go back to Original Medicare. Changes take effect January 1, 2027.

Plans change their doctors, drug lists and costs every year. Read the Annual Notice of Change your plan mails you, and check that your doctors and prescriptions are still covered.

Bring your Medicare card and a list of your medicines to our Brownsville or Pharr office and we'll compare plans with you at no cost.

The Texas Tribune reported that 21% of Texans who signed up for a 2026 Marketplace plan did not pay their first premium, after the extra federal subsidies ended and prices went up.

If you don't pay the first month, your coverage never starts. Before you renew for 2027, update your income and household so your tax credit is correct, and compare Bronze, Silver and Gold plans.

Our agents can review your options with you for free, in English or Spanish.

Texas uses HealthCare.gov. Enroll or renew by December 15 for coverage starting January 1; enrollments through January 15 start February 1.

If you do nothing, you may be automatically renewed into a plan whose price or doctors changed. A quick review can save you money.

Medicare will never call you uninvited to ask for your Medicare number or bank information. Hang up on callers offering "free" gifts or new cards.

Work with a licensed agent you can meet in person, ask for their name and license, and never pay a fee to enroll in a plan.

Report suspicious calls to 1-800-MEDICARE.