Harbor Health Insurance Services
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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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…
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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…
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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…
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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%…
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