Healthcare costs keep rising, and after more than 15 years helping families and business owners secure the right coverage, I see firsthand how these trends affect real people. Two promising tools are emerging: GLP-1 medications—shown to help with obesity prevention and slow chronic disease—and generative AI, which can support more continuous, proactive care. For many of my Medicare and ACA clients managing chronic illness, innovations like home monitors connected to clinician-supervised AI could mean earlier intervention and better outcomes. There's talk of expanding GLP-1 access through federal programs and making it easier to integrate home health data with AI for smarter care. With national healthcare spending projected to reach $9 trillion by 2034, it’s never been more important to understand your options and stay informed about how new technologies might impact your coverage and out-of-pocket costs. My goal is always to help you protect your future and make confident choices about your health and finances—because informed decisions today can make all the difference tomorrow.

More people than ever are considering making a change to their health insurance. According to recent survey data, 16% of US adults say they’re very likely to switch plans in the next year, and another 26% are somewhat likely to do so. This interest is especially strong among younger adults—25% of Gen Z—and almost a quarter of Republican-identifying consumers. I see this reflected in my own conversations with clients in Florida and New York, especially those who currently pay for their own coverage and aren’t in government-assisted programs.

What’s driving this? For many, having access to the right doctors and protecting themselves from unexpected costs now matters even more than the monthly premium. As open enrollment approaches, people are weighing their options carefully, knowing that their needs can shift with changes in work, finances, or family.

As someone who’s helped individuals, families, and business owners navigate these choices for over 15 years, I believe education is key. If you’re considering a health plan switch, focus on network coverage and out-of-pocket protections—these details can make all the difference in your peace of mind.

As someone who’s spent years helping clients navigate health insurance and the complexities of coverage, I keep a close eye on how policies evolve—especially when it comes to critical issues like breast cancer care. Right now, there’s an ongoing debate at the federal level about insurance coverage for a biomarker test used in DCIS, a non-invasive breast cancer found in the milk ducts. Since DCIS can behave very differently from person to person, doctors are often left deciding who might truly benefit from added radiation therapy.

This biomarker test goes beyond the usual clinical factors by analyzing tumor biology, helping predict both the risk of recurrence and whether radiation is likely to provide real benefit. Supporters point out that it can help guide treatment decisions—potentially sparing some women from unnecessary radiation, while identifying others who could see real advantages.

However, the question remains: do these tests add enough value over existing tools to justify coverage under our national insurance system? Although federal agencies recognize the innovation, lab tests like these aren’t yet included in the new accelerated coverage pathway. Another national panel will weigh in on October 13.

As always, my goal is to help you make sense of these changes so you can make confident choices about your health coverage and financial future.

US insurer sold term and indexed universal life coverage. Term pricing ran above avg. for most buyers but better at 60 and 70.
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There’s a lot of talk about GLP-1 medications—those newer drugs used for diabetes and sometimes for weight management—but did you know your insurance coverage can look very different depending on your plan? Many health plans in the US will cover these medications for diabetes or related conditions, but if you’re seeking them for weight loss only, coverage is often much harder to secure. Plans often set their own rules: some require prior authorization, others set minimum BMI requirements, and individual market plans rarely cover weight-loss use at all. Employer coverage is a mixed bag too—about 60% cover diabetes treatment with GLP-1s, but only around 35% extend coverage to include weight loss. For seniors, Medicare’s standard drug benefit still excludes weight-loss-only prescriptions, though there’s a pilot program offering certain GLP-1s for $50/month. Medicaid and other state-federal programs also differ widely. I always tell my clients: it pays to review your plan’s fine print, appeal if you’re denied, and keep an eye out for program updates. With over 15 years guiding clients through Medicare, ACA, and other health coverage, I know how confusing these details can be—but a little knowledge goes a long way toward protecting your health and your wallet.