Emery & Roberts Insurance

The ACA Marketplace "Subsidy Cliff"

2026 ACA Marketplace Subsidy Cliff Explained Enhanced premium tax credits expired in 2026, bringing back the subsidy cliff. Here's what changed, who it hits hardest, and how to weigh your options.

Understanding Chronic Condition Special Needs Plans (C-SNPs)

What Is a C-SNP? Medicare Plans for Chronic Conditions A Chronic Condition Special Needs Plan (C-SNP) is a Medicare Advantage plan built around conditions like diabetes or heart failure. See how it works.

Your ANOC Is Coming: Don't Throw This Medicare Letter Away!

Your ANOC Letter: A Key Medicare Notice to Read Every fall, Medicare Advantage and Part D plans mail an Annual Notice of Change. Learn what it means for your costs, coverage, and doctors next year.

Why Working With a Licensed Insurance Agent Still Matters

Why You Still Need a Licensed Insurance Agent Buying insurance online is fast, but a licensed agent can help you compare carriers, understand the fine print, and advocate for you at claim time.

Your Life Insurance and Its Living Benefits

Life Insurance Living Benefits: Cash Value & More Your permanent life insurance policy can build cash value, provide tax-friendly income, and offer easy access to funds while you're still alive. Here's how.

Medicare and Skin Cancer Prevention: What Screenings Are Covered?

Medicare and Skin Cancer Prevention: What's Covered? Learn what Medicare covers for skin cancer screenings, dermatologist visits, biopsies, and treatment, plus tips for prevention and early detection.

ACA Open Enrollment Is Changing for 2027

ACA Open Enrollment 2027: New Dates and Deadlines by State Open enrollment for 2027 ACA coverage ends earlier, and the February start date is going away. Find the currently-known national schedule and your state's timelines here.

How to Have a Safe Fourth of July Celebration

How to Have a Safe Fourth of July Celebration Learn simple Fourth of July safety tips to help prevent injuries, fires, and accidents while enjoying fireworks and holiday celebrations.

How Deferred Income Annuities Work

How Deferred Income Annuities Work | Retirement Income Guide Learn how a deferred income annuity can guarantee lifetime income, reduce market risk, and protect against outliving your savings in retirement. No fees. No guesswork.

ER, Urgent Care, or Primary Care?

ER, Urgent Care, or Doctor? A Practical Guide Where you go for care can affect your bill by thousands. A practical guide to choosing between the ER, urgent care, telehealth, and your primary care doctor.