2027 Open Enrollment: Nov. 1 to Jan. 15; Dec. 15 is the deadline for Jan. 1 coverage. Marketplace savings from Jan. 1, 2027 go only to LPRs, Cuban/Haitian entrants and COFA migrants. State exchanges differ. #insurance #healthinsurance Photo: RDNE Stock project / Pexels

Hurricane Isaias has switched on Florida's hurricane deductible. It applies until 72 hours after the last watch or warning. Insurers must offer $500, 2%, 5% or 10% of the dwelling limit. #insurance Photo: Aviz Media / Pexels myfloridacfo.com/division/co…

An ACORD 25 certificate is evidence, not coverage. It confers no rights on the holder and cannot amend the policy, so relying on one for additional-insured status fails at claim time. #insurance #commercialinsurance Photo: Pixabay / Pexels gc.nh.gov/rsa/html/XXXVII/41…

ACA Open Enrollment for 2027 coverage runs Nov. 1 to Jan. 15; Dec. 15 is the deadline for a Jan. 1 start. Brokers without a 2026 Exchange Agreement cannot register for 2027. State-based exchange dates vary. Photo: photoGraph / Pexels #insurance #healthinsurance

Approved homeowners rate increases averaged 13.5% in 2024 and 4.3% in the first half of 2026, per AM Best. The segment posted a $16.5 billion underwriting gain for 2025, its first in six years. Photo: Curtis Adams / Pexels #insurance #homeinsurance

Commercial property policies often require a building to be insured for at least 80% of its value. Insure below that and every claim, not just a total loss, is scaled down by the same ratio. #insurance #commercialinsurance Photo: Atlantic Ambience / Pexels irmi.com/term/insurance-defi…

Florida's insurance regulator approved homeowners rate cuts affecting more than 62,000 policies, led by One Alliance North America and Vyrd at 10.4% each. The 30-day average request is now -4.8%, versus +5.2% five years ago. #insurance #homeinsurance floir.gov/newsroom/archives/…

CMS canceled 315,000 unauthorized enrollments covering 760,000 people in the federal Marketplace, a $2.2 billion subsidy clawback. Interim rule freezes 2027 registration for agents and brokers lacking a 2026 Exchange Agreement. #insurance #healthinsurance cms.gov/newsroom/press-relea…

Maryland insurance regulators are weighing long-term care premium increases up to 242% for 12,666 policyholders. Policyholders face paying more or cutting benefits. Comment period closes Sept. 24. Photo: Vlada Karpovich / Pexels #insurance #longtermcare marylandmatters.org/2026/09/…

Medicare Open Enrollment runs Oct. 15 to Dec. 7 for 2027. The Part D deductible rises to $700 and the out-of-pocket cap to $2,400, and Medicare Advantage plan lineups are shifting. Agents should prepare now. #Medicare #healthinsurance Photo: RDNE Stock project / Pexels