Harbor Health Insurance Services
Open enrollment is right around the corner! It’s the ideal time to make sure your Medicare plan still fits your needs, especially if your health, prescriptions, or provider preferences have changed this year. We’re here to help you prepare with confidence and clarity, not stress. What Should You Review? Even if you’re happy with your…
read more
Choosing between Medicare Advantage and a Medigap plan can be confusing. Both options help cover healthcare costs not fully paid for by Original Medicare, but they do so in very different ways. This guide breaks down the pros and cons of each to help you find the right fit based on your needs, budget, and…
read more
With Open Enrollment just around the corner, now is the perfect time to review more than just your monthly premium. Even if your plan looks the same on paper, key details like your provider network or prescription drug coverage may have changed for 2025. Why Provider Networks and Drug Formularies Matter Each year, insurance carriers…
read more
Rates Are Going Up On average, plans are expected to rise about 10% in 2026. Some people may see smaller increases, but others will feel it more. And if Congress doesn’t extend the federal financial help (called premium tax credits) that’s set to expire at the end of 2025, monthly bills could jump by 66%…
read more
Health insurance isn’t just for Open Enrollment. Life changes, like a new job, a growing family, or a move, can qualify you for a Special Enrollment Period through Covered California. What Is a Special Enrollment Period? A Special Enrollment Period is a time outside of Open Enrollment (November 1-January 31) when you can apply…
read more