Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

This week, CMS released their 2027 Marketplace Proposed Rule. Join us as we pull out 5 takeaways insurance agents should know about.   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2016 vs. 2026: The Insurance Edition 2026 ACA Enrollment Update 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents CMS 2027 MA & Part D Advance Notice What are the CMS Medicare Gift Rules?   References: “CMS Model Consent Form for Marketplace Agents, Brokers, Web-brokers, and Agencies.” Cms.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/marketplace/agents-brokers/files/cms-model-consent-form-marketplace-agents-brokers.pdf. “CMS Proposes Regulations to Lower Health Care Costs, Expand Consumer Choice, and Protect Taxpayers.” Cms.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/newsroom/press-releases/cms-proposes-regulations-lower-health-care-costs-expand-consumer-choice-protect-taxpayers. “HHS Notice of Benefit and Payment Parameters for 2027 Proposed Rule.” CMS.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-payment-parameters-2027-proposed-rule. “Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2027; and Basic Health Program.” Federalregister.Gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, www.federalregister.gov/public-inspection/2026-02769/patient-protection-and-affordable-care-act-benefit-and-payment-parameters-for-2027-and-basic-health.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Not affiliated with or endorsed by Medicare or any government agency.

Can your clients afford hybrid long-term care insurance? It might be more affordable than they think. Learn more about the ways hybrid or linked-benefit LTCi can be funded in this episode.   Read the text version   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Out-of-the-Box Long-Term Care Insurance Solutions 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents Annuities vs. 401(k)s: Examining Differences That Can Matter to Clients Selling Long-Term Care Insurance What You Need to Know About 1035 Exchanges   References: “Qualified vs. nonqualified annuities explained.” Thrivent.com, Thrivent, 19 Dec. 2025, https://www.thrivent.com/insights/annuities/qualified-vs-nonqualified-annuities-explained. Plaehn, Tim. “What is Tax-Qualified Money?” budgeting.thenest.com, The Nest, https://budgeting.thenest.com/can-deferred-compensation-rolled-401k-22900.html. Accessed 15 Jan. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel    Not affiliated with or endorsed by Medicare or any government agency.

When the unexpected happens in your business, it’s important to have all your bases covered. In this episode learn what Errors and Omissions Insurance is and how it could save your business thousands in legal costs.    Read the text version   💵Save Up to 50% On E&O Insurance 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!   📧Connect with the Ritter Insurance Marketing Sales Team Near You!  💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.    Resources: 5 Tips for New Insurance Agents 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency Developing Power Habits ft. Dr. Noah St. John IntegrityCONNECT The Benefits of Joining a Top Insurance FMO Tips for Working With a Difficult Client   References: Metz, Jason. “Best Small Business Insurance.” Forbes, Forbes Magazine, 24 Dec. 2025, https://www.forbes.com/advisor/business-insurance/best-small-business-insurance/. Bonner, Marianne. “Errors and Omissions Insurance: What It Is, How It Works, and Who Needs It.” Investopedia, Investopedia, https://www.investopedia.com/terms/e/errors-omissions-insurance.asp. Accessed 5 Jan. 2026. Rubin, Paul H. “More Money into Bad Suits - Nytimes.Com.” The New York Times, https://www.nytimes.com/roomfordebate/2010/11/15/investing-in-someone-elses-lawsuit/more-money-into-bad-suits. Accessed 5 Jan. 2026.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel    Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for February 6, 2026: IntegrityCONNECT Question Educational Resources for Insurance Agents Government Funding Bill Update Luffu AI for Family Caregivers ACA Enrollment Comparison   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Educational Resources for Insurance Agents: Content Library eBooks & Guides List of Ritter Events & Webinars   Government Funding Bill Update: Freking, Kevin. “House Passes Bill on Government Funding to End Partial Shutdown.” PBS, Public Broadcasting Service, 3 Feb. 2026, www.pbs.org/newshour/politics/watch-live-house-holds-key-procedural-vote-on-government-funding-to-end-partial-shutdown. “Senate passes government spending package, including healthcare funding.” Fiercehealthcare.com, Fierce Healthcare, 31 Jan. 2026, https://www.fiercehealthcare.com/providers/partial-government-shutdown-looms-threatening-stall-health-funding-package-telehealth.   Luffu AI for Family Caregivers: “Fitbit founders launch AI platform to help families monitor their health.” Technrunch.com, TechCrunch, 3 Feb. 2026, https://techcrunch.com/2026/02/03/fitbit-founders-launch-ai-platform-to-help-families-monitor-their-health/. “Fitbit’s founders launch a new platform for monitoring your entire family’s health.” Theverge.com, The Verge, 3 Feb. 2026, https://www.theverge.com/tech/872963/fitbit-james-park-eric-friedman-luffu-caregivers-family-health-app. “Fitbit’s founders push AI into family caregiving.” Axios.com, Axios, 3 Feb. 2026, https://www.axios.com/2026/02/03/fitbit-founders-ai-family-caregiving. “From the Founders of Fitbit: Introducing Luffu, Your Guardian for Family Health & Safety.” PRNewswire.com, PR Newswire, 3 Feb. 2026, https://www.prnewswire.com/news-releases/from-the-founders-of-fitbit-introducing-luffu-your-guardian-for-family-health--safety-302676975.html. “Luffu Official Website” luffu.com, Luffu, https://www.luffu.com/, Accessed 3 Feb. 2026.   ACA Enrollment Comparison: “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” Cms.gov, Centers for Medicare & Medicaid Services, 28 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-2.   Related ASG Podcast Episodes: 5 Tips for New Insurance Agents 2016 vs. 2026: The Insurance Edition CMS 2027 MA & Part D Advance Notice Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Introducing a Content Marketing Solution for Insurance Agents IntegrityCONNECT FAQs   Follow Us on Social!  Ritter on Facebook, Instagram, LinkedIn, TikTok, X, and YouTube Sarah on LinkedIn, Instagram, Threads, and Bluesky Not affiliated with or endorsed by Medicare or any government agency.

Learn about ACA subsidies and their requirements to help your clients save on health insurance!   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!  📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Myths About Selling ACA Health Insurance Plans How the ACA Subsidy Cliff Impacts Clients Shopping for Marketplace Coverage How to Assist Clients with Marketplace Household Income Estimations How to Help Clients Navigate ACA Marketplace Subsides & Taxes What Are the ACA Marketplace Alternatives for Health Insurance?   References: “Federal Poverty Level (FPL) - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/federal-poverty-level-fpl/. Accessed 2 Jan. 2026. Norris, Lousie. “IRS Regulations Fix the ACA’s ‘family Glitch’ as of 2023.” Healthinsurance.Org, healthinsurance.org, 2 Sept. 2025, www.healthinsurance.org/obamacare/irs-regulations-fix-the-acas-family-glitch-as-of-2023/. “Medicaid Expansion & What It Means for You.” HealthCare.Gov, https://www.healthcare.gov/medicaid-chip/medicaid-expansion-and-you/. Accessed 2 Jan. 2026. “Poverty Guidelines.” ASPE, https://www.aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Accessed 2 Jan. 2026. Yearly Guidelines & Thresholds, Updated February 2023 Reference Chart, https://www.healthreformbeyondthebasics.org/wp-content/uploads/2024/08/REFERENCE_YearlyGuidelines_CY2025.pdf. Accessed 2 Jan. 2026.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel    Not affiliated with or endorsed by Medicare or any government agency.

Delve into the nuance of annuities as we compare fixed, indexed, and fixed indexed annuities. Learn more about each type, including how to help your clients choose between the three. Read the text version   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents Why Gen Z is a Good Fit For Selling Insurance   References: “28 Retirement Statistics You Should Know for 2025.” HarborLifeSettlements.com, HarborLife Settlements, 29 Apr. 2025, https://www.harborlifesettlements.com/retirement-statistics/. “Annuities Overview.” Finra.org, FINRA, https://www.finra.org/investors/investing/investment-products/annuities. Accessed 15 Jan. 2026. Schaaf, Janet. “Guide to the Average Savings in America by Age.” SoFi.Com, SoFi, 12 Dec. 2025, www.sofi.com/learn/content/average-savings-by-age. Tancock, Kat. “How Much You Should Save for Retirement at Every Age” synchrony.com, Synchrony, 29 Jul. 2025, https://www.synchrony.com/blog/bank/retirement-savings-goals-at-every-age. Baluch, Anna. “How Much Does an Annuity Cost?” Edited by Lamia Chowdhury and John Stevenson, Annuity.Org, Annuity.org, 12 Dec. 2025, www.annuity.org/annuities/fees-and-commissions/. “S&P 500 Index.” Google.Com, Google Finance, www.google.com/finance/beta/quote/.INX:INDEXSP. Accessed 15 Jan. 2026. “Single premium immediate annuity (SPIA): Pros, cons & taxes.” Thrivent.com, Thrivent, 26 Aug. 2025, https://www.thrivent.com/insights/annuities/what-is-a-spia. “Types of fixed deferred annuities: Which is right for you?” thrivent.com, Thrivent, 12 Jan. 2026, https://www.thrivent.com/insights/annuities/types-of-fixed-deferred-annuities-which-is-right-for-you.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for January 30, 2026 Meta Announces Premium Subscriptions TikTok USDS Troubles & New Competitors FY 2026 Appropriations Bills 2025 Tax Season & H.R. 7006 CMS 2027 MA and Part D Advance Notice   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Meta Announces Premium Subscriptions: Weatherbed, Jess. "Instagram, Facebook, and WhatsApp will test premium subscriptions." theverge.com, The Verge, 27 Jan. 2026, https://www.theverge.com/news/868439/meta-premium-subscription-ai-facebook-instagram-whatsapp. "Meta Confirms Testing of Premium Instagram, Facebook and WhatsApp Subscriptions." cnet.com, CNET, 27 Jan. 2026, https://www.cnet.com/news/social-media/meta-confirms-testing-of-premium-instagram-facebook-and-whatsapp-subscriptions/. "Meta to test premium subscriptions on Instagram, Facebook, and WhatsApp." TechCrunch.com, TechCrunch, 26 Jan. 2026, https://techcrunch.com/2026/01/26/meta-to-test-premium-subscriptions-on-instagram-facebook-and-whatsapp/.   TikTok USDS Troubles & New Competitors: Sato, Kiichiro, "5 things to know about the TikTok deal." Politico.com, Politico, 22 Jan. 2026, https://www.politico.com/news/2026/01/22/5-things-to-know-about-the-tiktok-deal-00743316.  "Announcement from the new TikTok USDS Joint Venture LLC." newsroom.tiktok.com, TikTok, 22 Jan. 2026, https://newsroom.tiktok.com/announcement-from-the-new-tiktok-usds-joint-venture-llc. Bell, Karissa. "A TikTok US power outage caused a 'cascading systems failure' leading to multiple bugs." Engadget.com, Engadget, 27 Jan. 2026, https://www.engadget.com/social-media/a-tiktok-us-power-outage-caused-a-cascading-systems-failure-leading-to-multiple-bugs-173426490.html. "Here's what you should know about the US TikTok deal." TechCrunch.com, TechCrunch, 23, Jan 2026, https://techcrunch.com/2026/01/23/heres-whats-you-should-know-about-the-us-tiktok-deal. Bell, Karissa. "People are uninstalling TikTok and downloading an indie competitor." Engadget.com, Engadget, 26 Jan. 2026, https://www.engadget.com/social-media/people-are-uninstalling-tiktok-and-downloading-an-indie-competitor-233345222.html. Conner, Adam. "The TikTok Deal Leaves Many Questions Unanswered." americanprogress.org, Center for American Progress, 23 Jan 2026, https://www.americanprogress.org/article/the-tiktok-deal-leaves-many-questions-unanswered/. Scanlon, Krystal. "TikTok’s confirmed U.S. deal still leaves unanswered questions." digiday.com, Digiday, 26, Jan. 2026, https://digiday.com/marketing/tiktoks-confirmed-u-s-deal-still-leaves-unanswered-questions/.  "TikTok finalizes deal to form new American entity." NPR.org, NPR, 22 Jan. 2026, https://www.npr.org/2026/01/22/nx-s1-5685456/tiktok-finalizes-deal-to-form-new-american-entity. Jacobs, Skye. "TikTok quietly expands location tracking and ad targeting for US users." Techspot.com, TechSpot, 26 Jan. 2026, https://www.techspot.com/news/111061-tiktok-quietly-expands-ad-targeting-location-tracking-us.html. “Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall, Accessed 28, Jan. 2026. Wheatman Hill, Laura. "We Should Just Let TikTok Die." Slate.com, Slate, 27 Jan 2026, https://slate.com/technology/2026/01/tiktok-outage-oracle-ice-shooting.html.   FY 2026 Appropriations Bills: “Appropriations Status Table: FY2026.” Congress.Gov, United States Congress, 23 Jan. 2026, www.congress.gov/crs-appropriations-status-table. "Assessing FY 2026 Appropriations." crfb.org, Committee for a Responsible Federal Budget, 15 Jan. 2026, https://www.crfb.org/blogs/assessing-fy-2026-appropriations. "H.R.7148 - 119th Congress (2025-2026): Consolidated Appropriations Act, 2026." Congress.Gov, United States Congress, 21 Jan. 2026, https://www.congress.gov/bill/119th-congress/house-bill/7148. "House Votes 341-88 for 'Minibus' Spending Package." thinkadvisor.com, Think Advisor, 22 Jan. 2026, https://www.thinkadvisor.com/2026/01/22/house-votes-341-88-for-minibus-spending-package/. "Labor, Health and Human Services, Education, and Related Agencies Appropriations Act, 2026." appropriations.house.gov, U.S. House of Representatives Appropriations Committee, https://appropriations.house.gov/sites/evo-subsites/republicans-appropriations.house.gov/files/evo-media-document/final-fy26-lhhs-minibus-4-summary.pdf. Accessed 26 Jan. 2026. "Partial government shutdown looms, threatening to stall health funding package, telehealth extensions." Fiercehealthcare.com, Fierce Healthcare, 26, Jan. 2026, https://www.fiercehealthcare.com/providers/sick-fighting-insurers-hospitals-offer-their-own-medicare-advantage-plans. "U.S. House passes final minibus funding package." naco.org, National Association of Counties, 22 Jan. 2026, https://www.naco.org/news/us-house-passes-final-minibus-funding-package.   2025 Tax Season & H.R. 7006: “H.R.7006 - 119th Congress (2025-2026): Financial Services and General Government and National Security, Department of State, and Related Programs Appropriations Act.” Congress.Gov, United States Congress, 15 Jan. 2026, www.congress.gov/bill/119th-congress/house-bill/7006/all-actions. “What Would a Government Shutdown Do to the IRS in 2026?” Kiplinger.com, Kiplinger, 23 Jan. 2026, https://www.kiplinger.com/taxes/what-will-a-government-shutdown-do-to-the-irs.   CMS 2027 MA and Part D Advance Notice: "2027 Medicare Advantage and Part D Advance Notice." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/2027-medicare-advantage-part-d-advance-notice. "Advance Notice of Methodological Changes for Calendar Year (CY) 2027 for Medicare Advantage (MA) Capitation Rates and Part C and Part D Payment Policies." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/files/document/2027-advance-notice.pdf. "CMS 2026 Medicare Advantage and Part D Rate Announcement." CMS.gov, Centers for Medicare & Medicaid Services, 07 Apr. 2025, https://www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-rate-announcement.  "CMS Proposes 2027 Medicare Advantage and Part D Payment Policies to Improve Payment Accuracy and Sustainability." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/newsroom/press-releases/cms-proposes-2027-medicare-advantage-part-d-payment-policies-improve-payment-accuracy-sustainability.  "Fiscal Year 2025 Improper Payments Fact Sheet." CMS.gov, Centers for Medicare & Medicaid Services, 15 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/fiscal-year-2025-improper-payments-fact-sheet.   Recent Episodes: 2016 vs. 2026: The Insurance Edition 2026 ACA Enrollment Snapshot #2 Enrollment Stats, Snapshots & Spotlights   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel    Not affiliated with or endorsed by Medicare or any government agency.

Get the details on IntegrityCONNECT! Join Sarah and Tina for a deep dive into frequently asked agent questions.   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: FAQs About the Medicare Call Recording Requirements How Health Insurance Agents Can Stay TCPA Compliant Meet Your Sales Team Integrity Official Site Integrity Support Email Ritter Events, Training, & Webinar List   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel    Not affiliated with or endorsed by Medicare or any government agency.

Is 2026 really the new 2016? Join Sarah as she talks about this internet trend, takes the time machine back to 2016 to compare data, and explains how agents can get in on the fun while it lasts!   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents 2026 ACA Enrollment Snapshot #2 How the 2027 Medicare Advantage & Part D Proposed Rule Could Impact Insurance Agents & Beneficiaries Ritter Can Help You Stay in Touch with Your Clients What Are CMS' Part B Rebatable Drugs for 2026?   References: “2016 F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-plans/medigap/downloads/cy_2016_fandj_deductible_amount_for_medigap_high_deductible_options.pdf. Accessed 21 Jan. 2026. “2016 K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-plans/medigap/downloads/cy_2016_oop_limits_-_medigap_plans_k_and_l.pdf. Accessed 21 Jan. 2026.  "2016 Medicare Parts A & B Premiums and Deductibles Announced." CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/press-releases/2016-medicare-parts-b-premiums-and-deductibles-announced. Accessed 21 Jan. 2026. “2026 F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/f-g-j-deductible-announcements. Accessed 21 Jan. 2026. “2026 K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 21 Jan. 2026.  “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 12 Jan. 2026, www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-0. “Marketplace Enrollment, 2014-2025: KFF State Health Facts.” KFF.Org, KFF, www.kff.org/affordable-care-act/state-indicator/marketplace-enrollment/?currentTimeframe=0&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D. Accessed 21 Jan. 2026. "Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings." CMS.Gov, Centers for Medicare & Medicaid Services, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-offerings/. "Original Medicare Costs in 2016." medicarerights.org, Medicare Rights Center, https://www.medicarerights.org/fliers/Original-Medicare/Original-Medicare-Costs-in-2016.pdf. Accessed 21 Jan. 2026. "Original Medicare Costs in 2026." medicareinteractive.org, Medicare Rights Center, https://www.medicareinteractive.org/wp-content/uploads/Original-Medicare-Costs-in-2026.pdf. Accessed 21 Jan. 2026.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Not affiliated with or endorsed by Medicare or any government agency.

Get the breakdown of each Affordable Care Act metal tier plan right here!   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!  📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Questions to Ask Clients Shopping for an ACA Plan Selling ACA/Under-65 Health Insurance with Ritter The Complete Guide to Selling Affordable Care Act Insurance Plans – FREE eBook Download Understanding the ACA Marketplace & Exchanges Understanding ACA Plan Metal Tiers PDF - Download   References: “Average Monthly Marketplace Premiums by Metal Tier: KFF State Health Facts.” KFF, 3 Nov. 2025, https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/. “Health Plan Categories: Bronze, Silver, Gold, & Platinum.” HealthCare.Gov, https://www.healthcare.gov/choose-a-plan/plans-categories/. Accessed 15 Dec. 2025.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel    Not affiliated with or endorsed by Medicare or any government agency.