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Latest posts
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The Only Hospital System in Northeast Tennessee and Southwest Virginia May Be Out of Your Insurance Network by New Year’s Day
If you are a BlueCross BlueShield of Tennessee member in the Tri-Cities area — Johnson City, Kingsport, and Bristol, spanning Northeast Tennessee and Southwest Virginia — your hospital coverage may look very different starting January 1, 2027. Ballad Health — the regional health…
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California’s Deadliest Month Doesn’t Start With a Storm – It Starts With a Clock Change
In October, 37% of California Fatal Crashes Happen in the Dark. In November, It’s 69%. Every year, California’s roads get measurably more dangerous in the first week of November. The mechanism isn’t weather or volume — it’s light. Driving from sunset to sunrise already accounts…
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The Time Change Happens Sunday – Here Comes The Most Dangerous Driving Week of the Fall Starts Monday
Christina Griffiths has watched drivers misjudge this transition for years. As Manager of Public Affairs and Communications for AAA Hoosier, she has seen what happens in the days after the clocks change — and her warning is the same regardless of whether it’s spring or fall:…
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Nevada Ran an Undercover Sting on Contractors and the Findings Should Make Every Homeowner Check Their Policy
Nevada Caught 12 Unlicensed Contractors in an Undercover Sting The Nevada State Contractors Board set up a sting. They used four properties — residential and commercial — as decoys. They invited bids on jobs like garage conversions, painting, drywall, plumbing, and electrical…
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Connecticut Has the 2nd Worst Medicare Advantage Shakeup in the Country and Most Seniors Don’t Know It Yet
Jason Gutcheon has spent years helping Connecticut seniors navigate Medicare, and he says he has never seen anything like this. Gutcheon, a partner at Professional Business Insurers in West Hartford, had three words for the company behind the decision: “Molina is rotten to do…
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Halloween Falls on a Saturday This Year — and That’s the Worst Possible Combination for Your Car
State Farm just released its annual Halloween vandalism warning, and the headline number is one they’ve reported before: car vandalism claims spike nearly 34% on October 31 compared to any other day in October. But this year has a wrinkle. Halloween 2026 falls on a Saturday.…
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Fewer Fires, Bigger Bill: What Oregon’s Record Wildfire Season Actually Did to Your Insurance
You probably heard that Oregon had a record wildfire year in 2026. What you may not have heard is that the number of fires was actually below average. There were 1,813 fires this year — lower than the typical 2,100. And yet the state burned through 2.1 million acres, the most in…
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Your Neighbors’ Bad Driving Habits Are Built Into Your Arizona Car Insurance Premium
No tickets in over a decade. No accidents. No claims. A paid-off car you have driven carefully on the same Arizona streets for years. And yet your full-coverage premium is still pushing past $2,000 — or higher. If that sounds familiar, you are probably asking the wrong question.…
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100,000 Californians Move to Texas Every Year. The Ones Paying Cash Are Making a Dangerous Assumption About Insurance
Larry Farinholt is 73 years old, a retired public defender in Los Angeles, and he has not carried homeowners insurance in over 25 years — not since he paid off his mortgage. He knows exactly what he is doing. “It would probably be financially devastating if I lost my house,” he…
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It Is a Buyer’s Market Again for Georgia Auto Insurance — Here’s Every Insurer That Cut Rates and by How Much
Peter Franchot has been paying about $100 more per month for auto insurance than he did just a few years ago. He is not alone. Between 2021 and 2025, Georgia auto insurance rates climbed more than 40 percent — one of the steepest runs in the country. For a lot of Georgia…
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2 Major Insurers Are Leaving Florida’s ACA Market and Rates Are Climbing Again — What to Do Before December 15
Editor’s note: This article has been updated on October 29, 2026, to correct rate increase figures for multiple carriers. An earlier version cited proposed rate increases from insurer filings rather than the final approved rates published by the Florida Office of Insurance…
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Health Insurance in Oregon Just Got More Expensive and Less Competitive — What Every Resident Needs to Know Before Open Enrollment Starts
Sandra Morrow has had the same health insurance plan through PacificSource for six years. She picked it because it was affordable, it covered her Portland-area doctors, and she understood how it worked. This January, that plan disappears. PacificSource is leaving Oregon’s…
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Aetna, Elevance, and Four Other Insurers Say the Medicare Advantage Star Rating System Is Broken — Now They Are Suing
On October 26, 2026, CVS Health filed a federal lawsuit against the Centers for Medicare and Medicaid Services on behalf of its Aetna subsidiary. At stake: more than $2 billion in bonus payments the company says it is owed under the Medicare Advantage star ratings system. The…
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Your Medicare Advantage Plan Owes You a Dental Cleaning — Claim It in the Next 63 Days Because the Reminder System Just Got Shut Down
In 2024, the Centers for Medicare and Medicaid Services passed a rule with a simple purpose: remind Medicare Advantage members about benefits they were paying for but not using. Every year between June 30 and July 31, plans would be required to send each member a personalized…
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Why Everyone Is Moving to Dallas-Fort Worth
Sriram Villupuram has watched the Dallas-Fort Worth market longer than most. The University of Texas at Arlington real estate professor has seen the frenzied years, the cool-down, and what he calls the shift to a “more balanced — but slower” market now settling in across the…
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1 in 3 Minnesota Seniors Are Losing Plans, Hospitals, and Drug Coverage All at Once — Here’s the Only Deadline That Matters
Daren Wysocki is 68 years old and lives in the Deerwood area of Minnesota. When his Medicare Advantage plan sent notice that his coverage was ending, his response was three words. “Well, what the hell’s going on here?” He is not alone. Nearly 390,000 Minnesotans received similar…
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Lower Premiums Feel Like a Win But California’s Insurance Crisis Suggests They Are Not the Whole Story
When an insurance company decides whether to renew your policy — or what to charge you — it relies on a catastrophe risk model. That model estimates the likelihood your home will burn, flood, or be destroyed based on historical data, local conditions, and climate projections.…
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Warning: Halloween 2026 Falls on a Saturday and These Five States Are Already Bracing for the Worst
The Kentucky Transportation Cabinet issued a Halloween driving warning with a line that cut through the usual seasonal boilerplate. “Even a momentary lapse in judgment can lead to devastating consequences,” said then-Secretary Jim Gray in the official KYTC statement — the same…
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Kansas ACA Rates for 2027 Are Not Final Yet — and Open Enrollment Starts in 4 Days
Laura Mead had been self-employed her whole adult life and always figured out a way to keep her health insurance. Then 2026 arrived. Her premium was already $1,427 a month, with subsidies covering $327 of it. When the enhanced federal tax credits expired, she faced the real…
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California Homeowners Just Got a Huge ADU Upgrade and a Liability Surprise No One Mentioned
Adam Hardesty thought he had done everything right. The Carlsbad homeowner consulted the California Department of Housing and Community Development. He spoke with a land use planner. He believed state law protected his right to convert his garage into a rental unit. Then, in…