Articles & Updates

If you are in your twenties or thirties, the first thought that comes to mind about health insurance might be, “I’m young and healthy — do I really need this?” But what most people don’t realize is that the moment you enroll in the plan under Obamacare (ACA), a door to far greater financial benefits […]

When Margaret, a 71-year-old retired schoolteacher in Palisades Park, NJ, opened her pharmacy bill last January, she was stunned. She had been managing Type 2 diabetes and high blood pressure for years, faithfully paying her Medicare Part D premiums every month. Yet there it was — a $340 out-of-pocket charge for a single month of […]

Mr. Kim is a 68-year-old Medicare beneficiary with diabetes and obesity. His doctor recommended a GLP-1 medication, but he was concerned about the cost of treatment. Then he learned about the new Medicare GLP-1 Bridge program. For eligible Medicare Part D beneficiaries, certain GLP-1 medications may be available for $50 per month under the program. […]

For Medicare beneficiaries, having insurance is only part of the equation. The more important question is whether they can see the right doctor when they need care. This is especially important for patients who regularly see neurologists, rheumatologists, cardiologists, and other specialists. Why Medicare Physician Payments Matter in 2027 Medicare physician payments are determined each […]

Have you heard of organoids? Simply put, organoids are “mini-organs” created in a laboratory using human cells. For cancer patients, researchers can create organoids from tumor tissue and test different cancer drugs in the laboratory to see how the tumor cells may respond. Organoids are not yet at the stage where they can determine the […]

Many Americans assume that having health insurance means they are protected from overwhelming medical bills. Unfortunately, that is not always the case. A recent NBC News report highlighted the story of a woman who learned just how complicated short term health insurance can become when a serious medical condition suddenly appears. Lisa Brundige, a woman […]

A practical review guide for Medicare Advantage and Part D plan members in New Jersey New Jersey Case Study Margaret Song, a 72-year-old resident of Bergen County, New Jersey, had been on the same Medicare Advantage plan for three years. Every fall, the Annual Enrollment Period came and went, and she thought, “Nothing went wrong […]

Health insurance through the Affordable Care Act (ACA) marketplace is about to get significantly more expensive in 2027 — and for many Americans, this is the second consecutive year of painful premium hikes. After the enhanced subsidies that had kept millions of people’s premiums low expired at the end of 2025, ACA marketplace costs surged […]

A Medicare client assumed that keeping his existing plan meant nothing would go wrong, so he never checked during AEP. By the new year his hospital was out of network and his drug costs had changed.

The mRNA vaccine technology we became familiar with after COVID-19 is now being used in cancer treatment. But most mRNA cancer vaccines are still in clinical trials.

If you are a married couple enrolling in Obamacare in New Jersey, comparing premiums and plans is not enough — how you file your taxes directly affects your Premium Tax Credit.

If you are getting ready for Medicare in 2027, understand this first: Part A and Part B premiums and deductibles are not final until CMS announces them each fall.

When you are preparing for a divorce or separation in New Jersey, health insurance matters as much as dividing property or settling custody — especially if you are covered on a spouse’s employer plan.

Five legal ways to reduce the burden of long-term care costs. Having assets does not mean you are out of options.

How much Medicare actually helps with long-term care (nursing home) costs, laid out simply across a two-part series.

A look at cases where 65-year-old immigrants cannot receive Medicare or Social Security, and the health coverage alternatives available to them.

Medicare enrollees get a lot of spam calls. Here is how the scams work and how to deal with the risk of Medicare fraud.

Why patients are still billed so much, whether the federal No Surprises Act is actually working, and what patients can do about it.

A rundown of the main 2027 ACA (Obamacare) changes and what enrollees need to know.

Honestly? When I first heard about this, my reaction was “there’s no way.” A drug that costs over $1,000 a month — now $50? I knew my phone was about to start ringing. So I dug into it myself, and here’s what I actually found. The Short Answer Starting July 2026, some Medicare Part D […]