Big Changes for 2025–2026 Healthcare Enrollment — What You Need to Know

As the upcoming Annual Enrollment Period approaches, big changes are on the horizon for both Medicare and ACA Marketplace plans. Whether you’re a senior evaluating your Medicare coverage or an individual relying on ACA subsidies, this year’s decisions could have a major impact on your health and finances.

⚠️ Original Medicare Vs Medicare Advantage.  Which is better? 

Recent reports in, 2025 show approximately 34.1 Million Medicare beneficiaries, or 54% of the 62.8 million people on Medicare A & B are in Medicare Advantage plans. Many of these don’t understand or know the difference between Original Medicare and Medicare Advantage (MA), yet the distinctions are substantial.

Medicare Advantage was codified by Congress in the Balanced Budget Act of 1997 as a cost saving measure for Medicare. When you enroll in Medicare Advantage (MA), Medicare transfers all responsibility for your care to private insurance. Medicare then pays that private insurance company a fixed monthly amount to manage your medical care. The MA then in exchange assumes full responsibility to cover all costs associated with your care. This fundamentally alters how providers are paid, and places insurer oversight over your care and dramatically changes the dynamic between patients, providers, and payers. Because of this, some providers opt out of Medicare Advantage. Original Medicare, by contrast pays providers directly when Medicare approved services are rendered. This gives providers more freedom and less restrictions when developing treatment plans as long as they follow Medicare-approved guidelines.

MA plans have faced scrutiny in recent years for strict preauthorization requirements for treatment which have led to delays, denials, and a burdensome appeals process. Some MA plans have also been found inflating patient diagnoses codes in billing to secure higher compensation from Medicare. Talks between regulators and industry leaders earlier this year, yielded an agreement in which insurers will work to ease preauthorization requirements which they know will raise operating costs. In response, the Centers for Medicare & Medicaid Services (CMS) approved a monthly compensation increase to insurers. But industry experts warn the increased costs for services will likely be passed on to members through increased copays, coinsurance and premiums. They also expect insurers to reduce or eliminate popular perks that have historically aided MA enrollment such as dental, vision, and gym memberships.  These changes could prompt many beneficiaries to reconsider a switch back to Original Medicare, which offers nationwide provider access without network restrictions, few preauthorization hurdles, and the option to pair with Medigap for very low and predictable out-of-pocket costs.

This year’s enrollment window is a perfect opportunity to reevaluate coverage and explore whether Original Medicare might offer better protection and peace of mind.

💸 ACA Plans: Subsidy Rollback Ahead

For those enrolled in ACA Marketplace plans, 2026 is expected to bring serious sticker shock. Enhanced subsidies are set to expire, meaning premiums could rise by as much as 75%. Currently, 92% of ACA enrollees receive subsidies that cap premiums at 8.5% of income, even for higher earners. Without these supports, many may be forced to drop coverage or seek alternatives.

One such alternative gaining traction is health sharing plans. While not traditional insurance, these plans offer lower monthly costs and have appealed to healthy individuals looking for budget-friendly options. However, they come with limitations and may not offer the same protections as ACA-compliant plans.

🧠 Need Help Navigating Your Options?

At InsuranceSmart, we specialize in helping Texans make informed decisions about their health coverage. With over 20 years of experience in Medicare, health, life, and long-term care insurance, we’re here to guide you through every step—from comparing plans to understanding your benefits.

Whether you’re considering a switch to Original Medicare or exploring ACA alternatives, we offer free consultations and personalized support to help you get the coverage that fits your needs and budget.

📞 Call us today at 210-972-9035 🌐Visit InsuranceSmart to learn more or schedule your free consultation  www.GetInsuranceSmart.Com

by Mike Sosso

Healthcare As We Once Knew it is Dead

The healthcare landscape has changed over the last 20-25 years.  Primary care physicians used to manage overall patient care, coordinating with specialists for care that was outside their training and expertise.  Now, it seems that the primary care physician sees the patient a few times a year and might even request labs or perform a well-exam.  These exams have been greatly watered down over the years due to government red tape, ill advice from the U.S Preventive Services Task Force and declining reimbursement.  What used to be a true 40-minute history and physical has become a 10-to-15-minute checklist of things that the patient’s insurance company will likely reimburse the physician for providing.  The list of what won’t be done is longer than the list of things that will be done.  For specialty care, I notice that patients are increasingly arranging for care on their own, which often leaves the primary care physician out of the loop.

Primary care physicians used to have a trusted network of specialists to whom they could refer for evaluation and management of concerns outside of the primary care physician’s scope of practice.  A simple phone call once served as an introductory transfer of the patient from primary to specialty care.  Progress notes and polite thank you notes followed upon returning the patient to the primary care setting.  Today, insurance regulations and paperwork have become the primary focus, while the actual diagnosis and treatment of the condition(s) have become a distant secondary focus.  Medicare starts something and commercial insurers follow their lead, whether the policy is beneficial or harmful to their beneficiaries.

Referrals can be difficult to obtain, even for large academic medical centers.  In certain instances, the return of the patient to the primary care setting is delayed or halted altogether, with the specialist’s employer or accountable care organization assuming the role of the primary care physician.  Communication between offices has become something of a nightmare due to absent consultation notes in the patient’s chart.  In years past, referrals could be arranged quickly and easily.  The tides have changed over the last 20-25 years, with referrals becoming increasingly more difficult to obtain.  Due to insurance participation/non-participation, arranging referrals may take quite a while, and the patient’s condition might have worsened during the waiting period.

It is the author’s belief that the healthcare system is still recovering from the COVID-19 pandemic.  Preventive care was delayed to re-focus on the medically complex.  Patients who were not taking an active role in their care are now of higher acuity and require more resources to return to a more optimal state of functioning.  Referrals to specialists in large healthcare systems are still being impacted to due continued care for those medically complex patients who never fully recovered during the pandemic.

Referrals can be hard to come by, even in large cities with more than one major healthcare system.  Timeframes to obtain referrals varied for the author: 2 weeks for urology; 2 months for otolaryngology; 4-6 months for pulmonary evaluation after 1 round of COVID-19 and three rounds of pneumonia; 9-12 months for cardiology; and 24-36 months for a routine colonoscopy with gastroenterology.  For three of the above referral requests, the author was told there just weren’t enough good providers in San Antonio to see all the patients.  That waters down the prospects of finding a great provider to treat one’s medical conditions.

Is this the best we can do?  Is the status quo good enough?  While I share the same sentiment as my cardiologist and pulmonologist, “Healthcare as we once knew it is dead,” I say that we can do better, and the status quo isn’t something we should brag about.  While I’m grateful for the providers on my care team, I am disappointed that the healthcare system has changed for the worse.  I see patients being treated like numbers rather than human beings, band-aids being applied until the next care episode arrives, less emphasis on preventive care and fewer people taking part in their own care plans.  Will healthcare return to the glory days of 20-25 years ago?  Probably not.  However, I believe that if enough patients and providers start protesting the state of the current system, we could return to a better state within the next 5-7 years.

By Scott J. Grandjean, LFACHE

 

Flood Relief! Confluunt Advisors & Ark of Highland Lakes Support the Texas Flood Victims

FLOOD RELIEF! Our friends at Confluunt Advisors are inviting our HLSA community to join them in their support of Ark of Highland Lakes  as they in turn rally to provide relief to the flood victims of Marble Falls, Burnett and the surrounding areas. Confluunt Advisors has provided both volunteers and material support in the form of $1,000 worth of contract bags to assist in clean-up efforts. If you would like to add your own support, please visit their Flood Relief page to learn more about how you can help.