26 articles
The latest insurance industry news, rate trends and regulatory updates that affect your coverage and wallet.
Medicare's Extra Help program sets 2027 copays at up to $5.80 for generics and $14.40 for brand-name drugs, with a $0 deductible. Who qualifies, the 2026 income limits and how to apply before open enrollment ends.
Medicare Savings Programs can pay your $202.90 Part B premium and more. The 2026 QMB, SLMB and QI income and asset limits, which states allow more, and how to apply before 2027.
State Farm and Allstate have filed to resume writing new California home insurance, but approval isn't here yet. How to get home insurance in a California high fire risk area now, from the FAIR Plan to wildfire discounts, and what the new filings could mean for you.
Flood zone X doesn't require flood insurance, but nearly a third of flood claims come from outside high-risk zones. What zone X means, shaded vs unshaded, zone X vs zone AE insurance rates, and how to decide whether to buy flood insurance.
No, Florida has not repealed PIP. The 2026 bill to end no-fault died in committee, so PIP is still required. How Florida PIP insurance works, the 14-day rule, who pays for car damage in a no-fault state, filing two PIP claims, and what could change in 2027.
CMS released the 2027 Medicare Advantage and Part D star ratings on October 8, 2026. Fifteen plans earned 5 stars, down from 22. What Medicare star ratings are, how they are calculated, the 5-star special enrollment period, and how to use the ratings during open enrollment.
Car insurance prices fell 5.1% in a year, and some insurers are paying dividends. Every way to get a car insurance refund: cancelling mid-term, overpayments, selling your car, dividends, gap insurance, and whether a government car insurance refund exists.
Car insurance covers flood damage only if you have comprehensive coverage. What to do if your car was in a flood, whether flood damage is repairable or a total loss, how claims are paid, and how to tell if a used car was flooded.
Hurricane Isaias is heading for the Gulf Coast. What homeowners insurance covers in a hurricane, how hurricane deductibles work, why flood is separate, and a step-by-step guide to filing a hurricane insurance claim in Florida, Alabama, Mississippi and Louisiana.
OPM says federal employees and retirees will pay 10.9% more on average for FEHB in 2027, and Postal enrollees 8.2% more for PSHB. Open Season runs November 9 to December 14, 2026. Here are the numbers, the nine plans leaving, the new GLP-1 rules and how to compare FEHB plans.
Florida regulators approved an average 12.8% renters insurance rate cut from American Modern Home Insurance Company, effective October 11, 2026. Who gets it, the county-by-county cuts, whether renters insurance covers hurricane damage in Florida, and how to lower your premium.
Fewer employers cover GLP-1 weight-loss drugs, and 14% have dropped or plan to drop them by 2027. How to check whether your insurance covers Wegovy or Zepbound, why claims get denied, how to get coverage approved, and what it costs if you pay cash.
Insurance news that affects what you pay and what you’re covered for, explained in plain English and checked against official sources such as CMS, FEMA, the IRS, OPM and state insurance regulators.
This season’s biggest stories. Open enrollment is under way, so start with ACA open enrollment 2027, Medicare 2027 changes, the 2027 Medicare Advantage star ratings and FEHB premiums for federal employees. If your employer is changing benefits, read GLP-1 coverage in 2027 and ICHRA’s new name, CHOICE Arrangements.
Tax-advantaged accounts. HSA contribution limits 2027 and FSA limits 2027 cover the new numbers.
Storms and property. For Hurricane Isaias, see does homeowners insurance cover hurricane damage?, flooded cars and flood zone X. In the property market, follow Florida’s falling home insurance rates, the California FAIR Plan increase and insurers reopening in California’s fire areas.
Car insurance. Why your car insurance is going up, car insurance refunds and dividends, whether Florida repealed PIP and what to do after hitting a deer.
News posts show their publish and updated dates. Where a story is still developing, we update the post and note what changed.
