Harbor Health Insurance Services
Your metal level matters more than you think. Here’s hose it affects what you actually pay. Covered California’s four metal tiers–Bronze, Silver, Gold, and Platinum–often confuse people. Many assume a “higher metal” means better quality, but the truth is simpler: metal tiers reflect how you and the insurance company split costs (Covered California, 2025). Choosing…
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Medicare’s Annual Enrollment Period (AEP) runs from October 15 through December 7, giving you the chance to review, compare, and update your plan for the year ahead (Centers for Medicare & Medicaid Servces [CMS], 2025). But every year, many people miss out on benefits or end up paying more than they need to–All because of…
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The Annual Enrollment Period (AEP) from October 15 to December 7 is your window to review or change your Medicare plan for 2026. But, before you dive into comparisons, it pays to know what’s changing in the landscape itself. Below are key updates for Medicare in 2026–What’s new, what to watch, and how to use…
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Covered California’s renewal period starts on October 15. It’s easy to assume your plan will renew automatically and everything will stay the same, but even small oversights can can lead to higher costs or lost benefits. Here are the most common renewal mistakes and how Harbor Health Insurance Services helps you avoid them. 1. Ignoring…
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It’s that time of year again! Covered California’s Open Enrollment is here and it’s your chance to renew, update, or start a new health plan for 2026. Renewal begins October 15 through November 1, and new applications open November 1. Whether you’re renewing coverage or exploring new options, a quick review could help you save…
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