Compliance Bulletins

New Insights on 2027 Medicare Advantage and Part D Offerings

Medicare’s annual Fall Open Enrollment (FOE) period runs October 15–December 7. During this time, people with Medicare can make certain changes to their coverage, like switching from Original Medicare (OM) to Medicare Advantage (MA) and vice versa, picking a new...

UHC/Aetna:  More Limited MA Provider Networks

The article highlights a significant shift in the Medicare Advantage (MA) market: major carriers, including UnitedHealthcare and CVS Health's Aetna, are moving toward plans with narrower provider networks and reducing their exposure to broader-access products such as...

Retirees may be ignoring a Medicare blind spot before 2027

Auto-renewing without proper checking could cost enrollees hundreds more. Medicare’s annual open enrollment begins Oct. 15, 2026, giving more than 70 million Americans a chance to review their coverage for 2027. But most beneficiaries don’t actively shop around....

CMS projects 16% lower Medicare Advantage Premiums in 2027

Plans are expecting Medicare Advantage enrollment of 34 million     beneficiaries in 2027, or about 47.4% of all Medicare enrollees, according to a Sept. 28 CMS news release. This would be flat compared with the 2026 projection, but actual MA enrollment was 36.1...

The states losing the most Medicare Advantage plans in 2027

Medicare Advantage plan choice will fall in more than half of states in 2027, even as CMS projects lower average premiums and a nearly unchanged number of available plans nationwide. The decline follows widespread disruption in 2026, when as many as 2.9 million MA...

CMS Eases Path for Medicare Advantage Takeovers

The Centers for Medicare and Medicaid Services is making it easier for Medicare Advantage insurers to swoop in and rescue struggling rivals. The agency last week notified insurance companies that it may allow them to expand where they sell policies midyear if they...

Medicare Costs Poised to Rise As 2027 Plan Changes Take Shape

Medicare is headed for a more expensive 2027, as new federal data show rising prescription drug spending, higher Part D premiums and early warnings of benefit cuts across Medicare Advantage plans. Demand for medications is surging partly because of innovations and...

Admin Considering Moratorium on Agents/Brokers for PY 2027

The Trump administration may press pause on new agents and brokers in healthcare.gov ahead of the plan year 2027 according to a notice titled “Private Health Insurance; New Agent/Broker Registrations for Plan Year 2027 Moratorium Guidance” that has been under review...

How much and why ACA Marketplace premiums are going up in 2027

Note: This brief was originally published on July 8 and updated on August 3, 2026 to include proposed 2027 rates from all 50 states and the District of Columbia. Every spring and summer, health insurers submit rate filings to state regulators detailing expectations...

DOJ steps up crackdown on Medicare Advantage upcoding

The Justice Department’s scrutiny of Medicare Advantage risk adjustment is intensifying, with two recent settlements totaling nearly $1.1 billion highlighting federal concerns about diagnosis coding practices that can increase payments to health plans. The latest came...

28 Health Systems Dropping Medicare Advantage Plans

Contract breaks between major health systems and certain Medicare Advantage insurers are continuing in 2026. Providers dropping plans often cite prior authorization denials and slow reimbursement; in other cases, insurers are terminating the contracts themselves. MA...

Coming Soon: SunFire + RetireFlo CRM Integration

On 9/8, SunFire is launching a new integration with RetireFlo, the leading Medicare customer intake and survey platform for field agents.  The integration will allow agents to launch a SunFire quoting session directly from any completed member survey in RetireFlo. We...

Medicare Advantage members hit hard by rising costs

According to the J.D. Power 2026 U.S. Medicare Advantage Study released Tuesday, overall member satisfaction fell 12 points this year to 611 on a 1,000-point scale; the second consecutive annual decline and a 41-point drop since 2024. Behind that slide is retirees...

Centene CFO to step down at year-end

Drew Asher, the current chief financial officer of Centene, will step down from his role on Dec. 31 before retiring at the end of 2027, the Missouri-based company announced Monday. Chris Neczypor, former executive vice president and CFO at financial services firm...

777 Partners Files for Bankruptcy, Owing A-Cap $1.2B

A troubled investment company that owes more than $1 billion to a holding company with life insurers and reinsurers in South Carolina and Utah has declared bankruptcy. Alternative investment firm 777 Partners and affiliate 600 Partners — holding companies for a...

UnitedHealth Group becomes 4th largest company in the world

UnitedHealth Group is now the fourth-largest company in the world by revenue, according to the 2026 Fortune Global 500. The list ranks the world’s largest public and private companies by revenue for the 2025 fiscal year. UnitedHealth posted more than $447 billion in...

Why Guaranteed Income Is Back at the Center of Retirement Planning

Retirement conversations are shifting, and you can hear it in the questions clients are asking. Instead of focusing only on returns, more people are getting straight to security: “Will my income last as long as I do?” Market swings, inflation, and longer life...

Humana to exit more Medicare Advantage plans in 2027

The insurer is laser-focused on reaching margin targets, and will sacrifice some plans with lower returns next year to do so.  Humana plans to shut down more Medicare Advantage plans next year as the insurer works to improve profits, auguring more disruption for...

Four More Medicare Advantage Contracts get 5 Stars in RevisedRatings

Four more Medicare Advantage prescription drug plans have received five-star ratings thanks to CMS’ recalculation. CMS initially unveiled 2026 MA star ratings in October, with 18 MA-PD contracts scoring five stars overall.  On July 22, CMS released updated 2026...

Judge Pauses CMS Rule Reshaping ACA Marketplaces

A federal judge has temporarily halted eight provisions of a Trump administration rule that would reshape the Affordable Care Act (ACA) marketplaces, finding that the changes would likely cause irreparable harm to cities, healthcare providers, small businesses and...

More Insurers Sue CMS Over Medicare Advantage Stars

SCAN Health Plan and Alignment Healthcare both sued the CMS in D.C. district court last week, arguing regulators robbed them of higher star ratings in the privatized Medicare program. The CMS reran MA star ratings for insurers in June after losing a lawsuit brought by...

How To Use AI In Sales Without Losing Customer Trust

Forward-thinking business development leaders understand that ethical considerations must evolve alongside technological advances. Below, Forbes Business Development Council members explain how they establish boundaries for AI-driven sales tactics and why maintaining...

New Bill Would Cap Traditional Medicare Out-of-Pocket Costs at $5000

Key Takeaways A $5,000 annual out-of-pocket cap would add catastrophic financial protection to traditional Medicare, harmonizing benefit design with Medicare Advantage and most private insurance coverage. Projections estimate 3.2 million beneficiaries would benefit in...

Medicare Advantage’s Big Decision: Reset or Retreat?

The Medicare Advantage (MA) program has long occupied a unique space as a true public-private partnership in federal healthcare. Recent headlines have put MA back in the spotlight, with reports of plans reducing supplemental benefits, exiting certain markets, focusing...

Why Technology Cannot Replace the Licensed Insurance Agent

There is no shortage of conversation in financial services about innovation. Robo-advisors, fintech platforms and digital wealth management tools have captured the imagination of investors, journalists and conference keynotes for the better part of two decades. The...

Cities Sue to Block ACA Rule for Increasing Uninsured Rate

ACA plans have experienced a tumultuous year. More generous subsidies for the plans expired at the end of 2025, causing premiums to skyrocket for many enrollees. More than 1 million fewer people signed up for coverage on the ACA exchanges as a result, and an...

Medicare Advantage in 2026: Enrollment Update and Key Trends

Enrollment in Medicare Advantage, the private plan alternative to traditional Medicare, has increased steadily over the past two decades, with more than half of eligible beneficiaries enrolled in Medicare Advantage since 2023. The growth in enrollment has implications...

Humana: Important Certification Update

Last month we shared- Plan Year 2027 Cert and Recert will launch at NOON on 7/8/2026 (EDT). PY2026 Certification will close on 6/7/2026 at 11:59PM (EDT). Since then, some agents have been informed PY2026 certification ENROLLMENT was closed on 5/31/2026. Because we...

Medicare Fraud Prevention Week Begins June 1

WASHINGTON, June 1, 2026 /PRNewswire/ -- The fifth annual Medicare Fraud Prevention Week begins Monday, June 1. The observance focuses on actions everyone can take to prevent Medicare fraud, errors, and abuse. The week is led by the Senior Medicare Patrol (SMP), a...

CMS Releases Medicaid Work Requirements Guidance for States

The Trump administration on Monday released long-awaited Medicaid work requirements guidance for states, finalizing a rule that will affect healthcare access for millions of Americans — and create a roadmap for the beleaguered state officials looking to operationalize...

The Optimism Factor: How Mindset Shapes Retirement Readiness

What if one of the strongest predictors of retirement readiness had nothing to do with income level, career path, or even investment strategy? New research reveals that optimism itself may be the game-changer. According to a 2025 study from the Nationwide Retirement...

The Medicare Rules Agents Would Repeal Tomorrow

Medicare's regulatory framework was built for a version of retirement that no longer exists. The rules assume seniors stop working at age 65, understand their enrollment windows and can absorb unlimited cost exposure. The gap between those assumptions and reality is...

Today’s Rates Create a Powerful Opening for Annuity Conversations

Interest rates are on everyone’s mind right now, and Americans feel the uncertainty. They’re watching the headlines, trying to decide whether they should lock in today’s rates or wait to see what happens next. At the same time, many fixed and indexed annuities look...

Former NFL Tight End Convicted for Medicare, VA Fraud Scheme

A former NFL tight end was sentenced to more than 16 years in prison for a yearslong fraud scheme that cost Medicare and the U.S. Veterans Affairs almost $200 million. Joel Rufus French, a marketing company owner and beneficial owner of eight durable medical equipment...

Take These Steps to Boost Your Annuity Lead Generation

The annuity market has set many records recently, driven by millions of Baby Boomers seeking guaranteed retirement income and financial stability. For insurance agents and financial professionals, this growth is a massive opportunity, but only if you can create a...

Oscar Health Reports Record Profit as Obamacare Enrollment Jumps

Health insurer Oscar Health swung to a $679 million first quarter profit – the highest in company history – as its health plan membership jumped more than 50% and medical costs eased. Oscar, which grew to 3.2 million health plan members as one of the nation’s largest...

Medicare Advantage: What Agents in The Field Are Seeing

Two million. That's how many older Americans were displaced from Medicare Advantage plans in 2025, according to agents fielding the calls. Hospital systems pulled out of networks. Carriers dropped unprofitable plans during the annual enrollment period. And the agents...

Medicare Advantage Improvement Act of 2026 Introduced

Last week, the U.S. House of Representatives introduced the Medicare Advantage Improvement Act (MAIA) of 2026 (H.R. 8375), a bipartisan bill that addresses critical issues within Medicare Advantage (MA).  The bill focuses on issues such as prior authorizations, prompt...

How to Reframe Life Insurance for Today’s Diverse Consumers

Life insurance demand is steady as ever, but prospective policy owners’ expectations have changed. Agents and brokers today are working in a marketplace shaped by delayed life milestones, cultural differences, shifting financial priorities, and wider generational...

Gen X Represents A $1.4 Trillion Lead Generation Opportunity in 2026

Those in the financial services industry have heard about The Great Wealth Transfer constantly over the last few years. Many financial professionals assume this massive, generational shift will be focused only on the Baby Boomer client base. But new data reveals that...

Percentage of Enrollees Who Fail to Make ACA Payments Rises to 14%

About 14% of individuals who were enrolled in Affordable Care Act (ACA) plans were not able to meet their first payment in the new year, according to a new analysis published in The Wall Street Journal.1 The results of the survey and analysis, conducted by actuarial...

Marketing to Individuals Dually Eligible for Medicare and Medicaid

We are asking that you take a look at this policy again. While this is not new policy, CMS determined it was pertinent to recommunicate this policy and its implications; this, more than likely, signals that there will be closer scrutiny and lower tolerance for...

Compliance Bulletin Videos

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