Archived article. Information reflects its original publication date and may have changed. Call Kindred for current coverage questions.
.It’s that time of year again — Open Enrollment for ACA Health Insurance and Medicare.
And if you’ve turned on the TV, checked your phone, or opened your mailbox lately, you already know it: the noise is everywhere.
The calls. The texts. The scare tactics.
Everyone seems to be saying “Prices are going up! You’ll lose your coverage! You have to act now!”
Let’s take a deep breath — and sort through the truth.
💙 What’s Really Going On
Yes, it’s true — health insurance premiums are up this year, by about $13 per month on average.
But that’s not the whole story.
The reason for these changes isn’t greed or chaos — it’s adjustment. During COVID, the federal government expanded subsidies and tax credits to help millions of families stay covered through the crisis. Those programs had to be rebalanced as the economy recovered.
What we’re seeing now is the country finding its footing again — adjusting benefits and credits to reflect a post-pandemic economy.
That’s not bad news. In fact, it shows we’re recovering.
The Affordable Care Act’s income-based tax credits are still available — and they can make a huge difference.
Many South Texans are still qualifying for zero-dollar or low-cost plans.
And for our Medicare clients, there are still plans with dental, vision, hearing, fitness, and flex card benefits available — but coverage changes every year, so it’s always worth reviewing.
🩺 What You Need to Know
Here’s what matters most right now:
✅ Everyone has to re-enroll this year. Plans don’t automatically renew the way they used to.
✅ Premiums and benefits change annually. Even if you’re happy with your current plan, it’s smart to double-check what’s changing for 2026.
✅ Beware of scam calls. If you get an unsolicited call claiming to be from Medicare or “the Marketplace,” don’t give out personal information. Call me directly — I’ll verify what’s real.
✅ You still have time.
Medicare Open Enrollment runs October 15 – December 7.
ACA (Marketplace) Open Enrollment runs November 1 – January 15.
💪 Why You’re in Good Hands
At Kindred Brokerage, we’re not here to sell fear. We’re here to simplify it all.
I’ll help you:
- Compare plans side-by-side so you can see the real numbers clearly.
- Find out if you qualify for new tax credits or extra savings.
- Make sure your doctors and prescriptions are still covered.
You don’t have to panic — you just have to call.
And when you do, I’ll walk you through everything calmly, clearly, and professionally — no pressure, no confusion, and no sales gimmicks.
🇺🇸 Proud to Be an American (and a Texan)
As we go through another Open Enrollment season, I can’t help but feel thankful.
We’ve come through one of the hardest times in modern history — and we’re still standing, rebuilding, and protecting one another.
No system is perfect, but we live in a country that gives us choices, opportunity, and a chance to make things better every year.
That’s worth being proud of.
So this season, while others panic — take a sip of your morning coffee, breathe, and remember we’ve got this.
📞 Call Michael Bahara
Kindred Brokerage
361-673-3512
Serving South Texas Since 2012
#MedicareOpenEnrollment #ACAOE #CorpusChristi #HealthInsuranceHelp #KindredBrokerage #ProudAmerican