Harbor Health Insurance Services
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 What is Covered California? Covered California was created to make quality, affordable health insurance more accessible. Through the marketplace, you can: Compare Plans from many insurance companies See if you qualify for financial help (most people do!) Enroll in a plan that fits your income, household size, and healthcare needs. Plans are available in tiers…
read more
Medicare Made simple: Your top questions answered 1. What are the different parts of Medicare? Medicare includes four main components: Part A: Covers inpatient hospital care, skilled nursing facilities, hospice, and some home health services. Part B: Covers outpatient services like doctor visits, preventative care, and durable medical equipment. Part C (Medicare Advantage): A bundled…
read more