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TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 45 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Not affiliated with or endorsed by the government or the federal Medicare program.
Ark Insurance Solutions is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each organization has a Medicare contract. Enrollment depends on contract renewal.
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Health Insurance Insider – October 9, 2025
/by The Ark Insurance TeamThe Subsidy Cliff & What You Need to Know NOW:
💵 The expanded healthcare tax credits implemented during COVID-19, which helped eliminate the “subsidy cliff” for those earning more than 400% of the Federal Poverty Level (FPL) are set to expire.
⚖️ If Congress doesn’t act, the pre-COVID rules will return. The “cliff” means that if your income exceeds that 400% FPL (or $62,600) threshold by even one dollar, you could lose your entire tax credit and have to pay it back.
Strategic Planning is Key 🗓️
⚠️ For the self-employed and others who make more than 400% FPL, it’s crucial to prepare now.
The existing tax credits aren’t going away entirely, but they will revert to their limited pre-COVID amounts.
🗓️ Don’t wait! We must strategize now by considering a group plan. If Congress extends the tax credits by January 1st, we can always cancel and move you back to the individual marketplace during a potential special enrollment period.
Let’s talk now about securing your best healthcare strategy for 2026. Call us at 801-901-7800.
Health Insurance Insider – October 2, 2025
/by The Ark Insurance TeamAs of this week, the expanded health insurance tax credits are set to expire at the end of the year, exposing millions of Americans to massive premium increases. This isn’t just a healthcare problem; it’s a looming economic crisis that adds immense pressure to household budgets already strained by inflation.
Estimates suggest 4 to 5 million people could lose coverage. Allowing the American public to be dumped off a financial cliff is neither responsible nor realistic. We know the consequence of sudden loss of coverage: nobody walks into the ER expecting a million-dollar bill, yet medical debt is a stark reality for the uninsured.
The Path to a Responsible Off-Ramp:
The long-term answer is not an indefinite expansion of subsidies, as that is not fiscally responsible. The immediate need, however, is clear.
The best path forward is to extend these expanded tax credits to 2026. This extension gives our leaders the necessary time to find real, sustainable ways to cut the underlying costs of healthcare. We must shift the focus back to policies that actually take care of our people and prevent medical bankruptcy.
Key Takeaways & Immediate Action:
🩺 The Problem: Expanded Tax Credits are set to expire 12/31, leading to massive premium hikes.
🩺 The Risk: Millions face financial ruin and loss of coverage immediately.
🩺 The Necessary “Off-Ramp”: Extend tax credits to 2026 to allow time for leaders to find cost solutions.
🩺 The Solution: Brokers Deliver Solutions. They are vital partners in helping consumers find creative strategies to soften the landing and secure protection for their families.
Now is the time for policy leaders to act with vision, and for consumers to seek expert guidance.
Health Insurance Insider – September 25, 2025
/by The Ark Insurance TeamIndividual Coverage Health Reimbursement Arrangements, or ICHRAs, are a new approach to employee health benefits that give employers a tax-advantaged way to provide flexible health coverage. For small businesses, ICHRAs offer an alternative to traditional group health plans, which can often be expensive and difficult to manage.
So, how does an ICHRA work? Instead of offering a specific group plan, employers give employees a set amount of tax-free money to spend on a health plan they choose themselves. The employer saves money on premiums, and the employees get to select a plan that fits their needs and their family’s needs. It’s a win-win.
One of the biggest advantages of an ICHRA is the flexibility it offers. You can set different contribution amounts for different classes of employees, such as managers and salaried workers, as long as the plan doesn’t discriminate. Plus, since the money is a tax-deductible business expense, both the business and the employees save money.
Key Takeaways About ICHRAs
💰Tax-Advantaged: Contributions are a tax-deductible expense for employers and are not considered taxable income for employees.
🧑 Employee Choice: Employees can choose a health plan that best fits their specific needs, including their preferred doctors and hospital networks.
🤸 Flexibility: ICHRAs are a great option for businesses with a distributed workforce in different states, as they can be used to accommodate varying state health insurance markets.
As the health insurance landscape continues to evolve, staying on top of new options like ICHRAs is essential for small businesses. We’ll be here every week to keep you informed.