Why Reviewing Your Policy Matters

Health insurance can feel complicated, but it doesn’t have to be. Each year, plan options and premiums shift — and the right plan last year may not be your best fit today.

At Advising Without Borders, we make reviewing your coverage easy. We’ll walk through your current plan, explain any changes, and help you explore new options designed to fit your current needs and budget. Our goal is simple: to help you feel confident, cared for, and covered.

Health Insurance Matters

Life has enough surprises — your health coverage shouldn’t be one of them.

At Advising Without Borders, we believe health insurance isn’t just about policies and premiums: it is about protecting what matters most: your health, your family, and your financial peace of mind.

Without coverage, many people delay important care because of cost, often leading to bigger issues later on. With the right plan in place, you gain access to preventive care, regular check-ups, and early detection — the tools that help keep you healthy and secure.

Everyone’s situation is different. Whether you are exploring options for the first time, your income has changed, or you’re navigating a life transition. We are here to make the process simple and stress free.

Understanding How Age and Personal Situations Affect Your Health Coverage

Everyone’s health insurance needs are different — and they often change as life changes. Your age, income, family size, and health status all play a role in determining what kind of coverage fits you best. Younger individuals may focus on affordable plans that cover emergencies and preventive care, while those nearing retirement often look for comprehensive protection through Medicare or supplemental coverage. Major life events: such as marriage, having a baby, changing jobs, or moving will also open special enrollment opportunities or shift your eligibility for programs like Medicaid, CHIP, or Affordable Care Act (ACA) plans. At Advising Without Borders, we take time to understand your unique situation, explain options clearly, and help you choose a plan that supports both your health and your financial peace of mind.

Medicare

The Annual Election Period (AEP) for Medicare runs October 15, 2025 through December 7, 2025. Coverage changes you make during this time will take effect January 1, 2026.

1. If you’re already in a Medicare Advantage plan, there’s a separate window: the “Medicare Advantage Open Enrollment Period (MAOEP)” runs January 1 through March 31, 2026.

2. If you missed your Initial Enrollment Period for Parts A & B, the General Enrollment Period (GEP) is January‑March as well

ACA Open Enrollment 2026

Open Enrollment runs from November 1 – December 15, 2025.

This is your opportunity to review, update, or enroll in a health plan for the upcoming year. Even if you’re already insured, it’s important to take a fresh look at plan benefits, provider networks, and costs can all change from year to year.

If you qualify for a Special Enrollment Period (SEP) or are eligible for Medicaid/CHIP, you can make changes at other times. We will guide you every step of the way.

Short-Term Policies

Short-term health insurance provides temporary coverage for individuals who need protection between other insurance options. These plans may cover doctor visits, hospital stays, and emergency care, depending on the policy. Generally do not cover preexisting conditions. Short-term insurance is best suited for individuals in good health who need temporary coverage for unexpected catastrophic medical events, such as during a gap between jobs or while waiting for other coverage to begin. Working with an advisor can help ensure the plan selected aligns with individual health needs and financial considerations.

Travel Health Insurance

Travel insurance provides financial protection for unexpected events that may occur before or during a trip. Coverage typically includes trip cancellation or interruption, emergency medical treatment and evacuation, lost or damaged baggage, and additional expenses from travel delays.

Travel insurance is designed for individuals booking nonrefundable trips, travelers seeking medical coverage while away from home. Those who want protection against unexpected interruptions or delays. Coverage varies by plan, so it is important to review policy details carefully. Travel insurance does not replace standard health insurance and helps provide supplemental protection during travel.

Life Insurance

Life insurance provides financial protection to beneficiaries in the event of the policyholder’s death. It can help cover expenses such as funeral costs, outstanding debts, mortgage payments, along with ongoing living expenses.

There are several types of life insurance, including term life, which provides coverage for a specific period, and permanent life, which offers lifetime coverage and may include a cash value component. Premiums, coverage amounts, and terms vary depending on the type of policy and the insurer. Life insurance is designed to provide peace of mind and financial security for loved ones, and working with an advisor can help ensure the policy selected aligns with individual needs, financial goals, and family circumstances.

Dental Insurance

Dental insurance provides coverage for preventive, basic, and major dental services to help maintain oral health and reduce out-of-pocket costs. Most plans cover routine exams, cleanings, and X-rays, while some also cover fillings, crowns, root canals, and other more extensive procedures. Plans may include deductibles, copayments, or coinsurance, and coverage often varies depending on whether services are received in-network or out-of-network. Dental insurance is typically offered as a standalone plan or as part of a health benefits package, and selecting the right plan involves considering the services you need, network options, and overall cost. Working with an advisor can help ensure the plan meets your oral health needs and budget.

Special Enrollment Periods (SEP)

Life happens — and when it does, your coverage should be able to adapt.

If you’ve recently moved, gotten married, had a baby, adopted a child, changed jobs, or lost existing coverage, you may qualify for a Special Enrollment Period. This allows you to update or enroll in a new plan outside of the annual open enrollment window.

Not sure if you qualify? Don’t worry — we’ll help you find out.

And if you don’t meet SEP requirements but still need coverage, we can explore Short-Term Insurance or Health Sharing Plan options, which are available year-round. You’ll never be left without protection or peace of mind.