Health Insurance Insider – October 23, 2025

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Did you just open a scary renewal notice from your insurance carrier? 🎃 Take a deep breath: It’s not real.

Like a lot of things in spooky season, that huge number is just a trick! Insurance carriers are legally required to send out renewal notifications before the actual rates are finalized.

Do NOT panic and do NOT make a decision based on that letter.

The real rates will be coming out over the next week, and open enrollment starts on November 1st.

Here’s the plan:
1. Burn that initial scary notice.
2. Wait for the REAL numbers.
3. Run real information with those real numbers on your carrier’s website.

You don’t have to face those frightening numbers alone. That’s what a good broker is for! If you don’t have one now is the time to find a broker (like Ark Insurance Solutions) who can help you sift through the noise and turn that “Halloween trick” into a real and reasonable coverage plan.

Let’s talk now about securing your best healthcare strategy for 2026. Call us at 801-901-7800.