ITK Insurance

Prepare Before Medicare Decisions

Most people don’t think about Medicare until they have to, and by that point, everything starts to feel rushed. I see this all the time. Someone is approaching 65 or leaving employer coverage, and suddenly they are trying to understand enrollment timelines, compare plan options, check their doctors, and review prescriptions all at once. These are important decisions, but they are being made under pressure simply because the preparation didn’t happen early....

Prepare Before Medicare Decisions Most people don’t think about Medicare until they have to, and by that point, everything starts to feel rushed. I see this all the time. Someone is approaching 65 or leaving employer coverage, and …

The Protection Most Families Forget

Most people insure what they can see. We insure our cars, homes and health. But many families never insure the one thing that makes everything else possible…their income. When someone dies unexpectedly, the emotional loss is the hardest part. But there is also a financial reality families must face almost immediately: Funeral expenses Mortgage or rent payments Everyday bills…...

Life Insurance Basics: The Protection Families Often Forget Learn what life insurance actually protects, who needs it, and why many families overlook this important financial safety net.

Why Congress Keeps Misunderstanding How Americans Actually Get Health Insurance

Much of the national conversation about health insurance still assumes one thing: that most Americans get coverage through a traditional employer. That assumption no longer reflects reality. While employer-sponsored insurance still exists, it no longer represents how millions of Americans actually live, work, or earn income. When policy decisions are built on outdated models of work, the result is confusion, disruption, and unintended consequences for everyday people....

Why Congress Keeps Misunderstanding How Americans Actually Get Health Insurance Much of the national conversation about health insurance still assumes one thing: that most Americans get coverage through a traditional employer. That assumption no longer reflects reality. While …

As your local health insurance advisor, I always aim to keep you In The Know. With Medicare changes coming in 2026, it is important to prepare early, review your coverage, and understand how these shifts may affect your costs and options. Below are the key updates to watch for this AEP (Annual Election Period). Part B Premium Will Increase in 2026…...

Medicare in 2026: What You Need to Know Now As your local health insurance advisor, I always aim to keep you In The Know. With Medicare changes coming in 2026, it is important to prepare early, review your coverage, and understand how these …

Major changes are coming to ACA Marketplace Health Plans, and many people will see their coverage and costs shift in 2026. Learn what’s changing and how to prepare now.

What You Need to Know About Upcoming ACA Marketplace Changes The Affordable Care Act (ACA) Marketplace continues to serve as an essential path to affordable health insurance for many individuals and families. Starting later this year and into 2026 and 2027, …

Please join me at one of the below free events to get answers to your Medicare questions.

Are you nearing Medicare age and confused about what you need to do? Attend a free educational workshop about How Medicare Works to find out more about your options.

Are you nearing Medicare age and confused about Medicare?
Attend our How Medicare Works Workshop – this free local educational workshop helps you:
•Stop stressing over Medicare and what to do next.
•Know Your Medicare Options...all of them... not just the ones on the T.V. commercials
•Start spending more time planning other aspects of your retirement planning.

ITK InsuranceIn The Know About Insurance We Are In The Know About Insurance

TURNING 65, NEW TO MEDICARE or ALREADY ON MEDICARE?
✅Join us for a free Educational Medicare 101 Workshop held throughout the Virginia Peninsula.
Register at itkinsurance.com/events/ or call 757-933-3688.

ITK InsuranceIn The Know About Insurance We Are In The Know About Insurance

We had a great time sharing information about Medicare and Health Insurance at the York County Chamber of Commerce Festival.