Knowledge center
Field notes from brokers, builders, and the messy middle
Regulatory
Life insurance insurable interest and beneficiary requirements: what state law requires and what it does not
August 26, 2026
Regulatory
NAIC suitability standards for annuity and life insurance sales: what Model 275 requires and where life products differ
August 26, 2026
Regulatory
ICHRA affordability test 2026: the employee-level calculation brokers need to run before the offer goes out
August 25, 2026
Regulatory
Life insurance 7-pay MEC test: when a policy becomes a Modified Endowment Contract and what changes
August 24, 2026
Regulatory
Life settlements and viatical settlements: when selling a policy beats lapsing it
August 22, 2026
Regulatory
Excepted benefits under NAIC model regulation: why supplemental insurance is exempt from ACA essential health benefit rules
August 21, 2026
Regulatory
Excepted benefits under NAIC and the ACA: why supplemental insurance products are exempt from essential health benefit rules and what can strip that status
August 20, 2026
Regulatory
Medicare Part D late enrollment penalty: how it is calculated, what counts as creditable coverage, and who is exempt
August 19, 2026
Regulatory
Fixed indemnity plans: why they are not ACA-compliant major medical and the 2024 CMS required disclosures
August 18, 2026
Regulatory
NAIC life insurance replacement regulation: broker disclosure requirements, form timing, and the 1035 exchange trap
August 17, 2026
Regulatory
ACA rescission of coverage rules: what brokers must know when a carrier cancels a plan retroactively
August 14, 2026
Regulatory
Medicare Part D coverage gap post-IRA: what the $2,000 out-of-pocket cap actually changed
August 14, 2026
Regulatory
ACA partial-year marketplace coverage: how APTC reconciliation works when a client leaves mid-year
August 13, 2026
Regulatory
Medicare T65 marketing rules: what brokers can and cannot do before a prospect becomes a beneficiary
August 13, 2026
Regulatory
Life insurance free-look period by state: how the right of rescission works after policy delivery
August 12, 2026
Regulatory
Medicare CMS Communications and Marketing Guidelines: what broker-produced materials are restricted, what must be filed, and where agents cannot market
August 10, 2026
Regulatory
Employer group coverage vs Medicare at 65: the 20-employee rule, primary vs secondary payer, and when delaying Part B is safe
August 7, 2026
Regulatory
ACA MAGI and alimony after TCJA: how the divorce year splits APTC eligibility for the same payment amount
August 6, 2026
Regulatory
Life insurance contestability period and suicide clause: what the 2-year window means for brokers and claims
August 5, 2026
Regulatory
Medigap guaranteed issue rights: the 6-month window at 65, when it ends, and what birthday-rule states change
August 3, 2026
Regulatory
Medicare IRMAA explained: the 2-year income lookback, the cliff, and how to appeal with Form SSA-44
July 31, 2026
Regulatory
ACA risk adjustment: how CMS redistributes billions between carriers and what it means for market stability
July 30, 2026
Regulatory
ACA family glitch rule: how the 2022 Treasury fix changed dependent APTC eligibility
July 29, 2026
Regulatory
Medicare Part B late enrollment penalty: what ACA brokers need to tell pre-65 clients
July 28, 2026
Regulatory
ACA Section 1557: nondiscrimination rules for health plans
July 25, 2026
Regulatory
State mini-COBRA laws and ACA enrollment: a broker's guide
July 23, 2026
Regulatory
ACA coverage for veterans: TRICARE, VA health care, and Marketplace eligibility
July 22, 2026
Regulatory
ACA Section 1332 state innovation waivers: broker guide to reinsurance and subsidy effects
July 21, 2026
Regulatory
ACA enrollment for Native American and Alaska Native members: monthly SEP and zero cost-sharing
July 20, 2026
Regulatory
ACA marketplace plan grievances and appeals: the three-level process
July 19, 2026
Regulatory
ACA external appeal rights: what Section 2719 requires and the broker workflow after a claim denial
July 18, 2026
Regulatory
ACA plan crosswalk at renewal: what CMS auto-assignment means for your members
July 17, 2026
Regulatory
State by state Marketplace coverage
July 16, 2026
Regulatory
ACA 1095-B and 1095-C: what brokers need to know at tax time
July 15, 2026
Regulatory
ACA state individual mandate penalties in 2026: which states still enforce them
July 14, 2026
Regulatory
ACA COBRA exhaustion SEP: the broker workflow when 18 months of continuation coverage ends
July 13, 2026
Regulatory
ACA Medicaid unwinding: the enrollment wave brokers are still working in 2026
July 11, 2026
Regulatory
ACA medical loss ratio and MLR rebates: what the 80/20 rule means for brokers and members
July 10, 2026
Regulatory
ACA Marketplace coverage for immigrant members: eligibility rules every broker needs to know
July 7, 2026
Regulatory
ACA exceptional circumstances SEP: what CMS authorizes outside the standard list
July 6, 2026
Regulatory
ACA mental health parity: what Marketplace plans must cover for behavioral health
July 5, 2026
Regulatory
When does ACA Marketplace coverage start: effective date rules for OEP and SEP
July 3, 2026
Regulatory
ACA Marketplace and Medicare coordination: the transition rules brokers need before members turn 65
July 2, 2026
Regulatory
ACA tobacco surcharge: how the 1.5x rating rule works and which states opt out
July 1, 2026
Regulatory
ACA SEP documentation requirements: what CMS accepts for each qualifying event
June 30, 2026
Regulatory
ACA loss of Medicaid SEP: the Medicaid-to-Marketplace transition brokers handle wrong
June 29, 2026
Regulatory
QSEHRA for small employers: what ACA brokers need to know before setting the contribution
June 28, 2026
Regulatory
ACA income inconsistency notice: what brokers do when the Marketplace disputes the APTC
June 27, 2026
Regulatory
APTC repayment caps: how much members owe when income exceeds the projection
June 26, 2026
Regulatory
ACA employer coverage affordability test: when employer plans block the subsidy
June 25, 2026
Regulatory
ACA quoting in 2027: what brokers should watch now
June 22, 2026
Regulatory
ACA enrollment numbers 2025 vs 2026: what brokers should notice
June 19, 2026
Regulatory
CMS plan year 2026 rule changes: a broker summary
June 18, 2026
Regulatory
NPN vs EDE certification: what ACA brokers actually need
June 17, 2026
Regulatory
Data security for independent insurance agents: a practical checklist
June 16, 2026
Regulatory
What the No Surprises Act actually does
June 15, 2026
Regulatory
HIPAA for independent insurance agents: what the rules actually require
June 14, 2026
Regulatory
ACA grace period: what brokers need to tell APTC members before they miss a payment
June 13, 2026
Regulatory
The ACA coverage gap: what brokers in non-expansion states need to know
June 12, 2026
Regulatory
Essential health benefits: what every ACA plan must cover
June 11, 2026
Regulatory
Form 1095-A and Form 8962: what ACA brokers need to know at tax time
June 10, 2026
Regulatory
State-based exchanges vs Healthcare.gov: what ACA brokers need to know
June 9, 2026
Regulatory
How to read a CMS Marketplace plan ID
June 4, 2026
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