Silver and Secure

11/02/2026

You Gained an Hour Yesterday. Here Is a Good Way to Spend It.
The clocks fell back on Sunday, and ACA Marketplace Open Enrollment opened the same day. If you buy your own health insurance, this is your main enrollment window of the year.
Key dates for 2027 coverage:
November 1: Open enrollment begins.
December 15: Last day to enroll for coverage starting January 1.
January 15: Open enrollment closes. Plans chosen December 16 through January 15 start February 1.
Premiums, networks, and plan details can change from one year to the next. Letting your plan renew without a look is not a review.
Spend your extra hour gathering the basics: your estimated 2027 household income, your doctors, and your prescriptions. That is what makes a real comparison possible.
Start your Under 65 review here:
https://app.retireflo.com/under65
Silver And Secure
830-406-6654 | [email protected]

Answer Jill Bullock's quick survey so they can provide you with plan options.

10/31/2026

📢 2027 HEALTH INSURANCE UPDATE: HAVE YOU REVIEWED YOUR OPTIONS?

If you have health insurance through the ACA Marketplace (Healthcare.gov), your 2027 premiums and plan options may look very different this year.

Some people may see significant premium increases, while others may still have affordable alternatives. Your best option may no longer be the plan you currently have.

PLEASE DON'T AUTOMATICALLY RENEW WITHOUT REVIEWING YOUR OPTIONS!

💰 Worried about rising premiums? Let's compare your options. Depending on your household size, income, and eligibility for financial assistance, there may be another plan that better fits your budget.

🏥 Need to keep your doctors? We'll review provider networks to help you find coverage that meets your needs.

💊 Take prescription medications? We'll compare prescription coverage and costs to help you make an informed decision.

📋 Have pre-existing conditions? ACA Marketplace plans offer important protections. Let's review your options before making a change.

🔎 Higher income and facing expensive Marketplace premiums? Depending on your circumstances and health, coverage outside the Marketplace may be worth exploring.

⚠️ IMPORTANT: NEW AUTHORIZATION & VERIFICATION REQUIREMENTS

The enrollment process may involve additional authorization, identity verification, and compliance steps. These requirements can add time to the process for some applicants.

That's why starting early is more important than ever!

Please don't wait until the last minute to review your coverage. The earlier we begin, the more time we have to compare plans, address potential issues, and complete the necessary steps.

HOW SILVER AND SECURE, LLC, CAN HELP

Independent insurance advisor serving the Texas Hill Country. I help individuals and families compare coverage and navigate their insurance options.

✔️ ACA Marketplace health insurance
✔️ Medicare Advantage plans
✔️ Medicare Supplement insurance
✔️ Medicare Part D prescription drug plans
✔️ Individual and family health insurance options
✔️ Help comparing premiums, deductibles, doctors, and prescriptions

💙 NO FEES. PERIOD.

I charge NO FEES for any of my insurance services. My compensation comes from the insurance companies themselves.

My goal is to help you understand your options, find coverage that fits your needs and budget, and make informed decisions about your healthcare.

📣 I NEED YOUR HELP!

Open enrollment is a busy time, and I want to make sure my clients and others in our community have time to review their options.

📱 CALL OR TEXT ME: 830-406-6654

Let's schedule your 2027 health insurance review!

Please SHARE this post with your friends, family, and anyone who may need help with their health insurance. Your share could help someone avoid overpaying for coverage or missing a better option.

https://silverandsecure.com
The sooner we start, the better prepared we can be!

Silver and Secure
Local • Independent • No Fee

📍 Proudly serving the Texas Hill Country
📱 830-406-6654 — Call or Text

https://silverandsecure.com

For all Texans who seek straightforward, no-nonsense guidance, we’re here to provide the support you need.

10/26/2026

Your Neighbor's Plan Is Not Your Plan

This comes up every AEP.

"My neighbor has Plan X and loves it." "My brother-in-law said Plan Y is the best." "I read that Plan Z has the lowest premium."

All of that may be true -- for them.

A Medicare plan is only as good as its fit with your specific situation: your doctors, your medications, your health needs, your budget, and your zip code. A plan that works well for your neighbor may charge more for a drug you take every month. Their primary care doctor may be in-network while yours is not. Their out-of-pocket maximum may feel manageable for their health use and too high for yours.

This is why comparisons have to be run on your actual data.

Every review I do is individual. Your doctors, your drugs, your plan options in your area. No templates. No one-size-fits-all answers.

If you have not started your AEP review yet, the intake form gets us started in about 5 minutes:

https://medicare.healthsherpa.com/intake/jill-bullock

Silver And Secure 830-406-6654 | [email protected]

10/23/2026

There Are Two Different Deadlines for ACA Coverage. Know Both.

ACA Marketplace Open Enrollment runs November 1 through January 15, 2027. But there are actually two deadlines that matter -- and they lead to two different coverage start dates.

Enroll by December 15: coverage starts January 1, 2027. Enroll December 16 through January 15: coverage starts February 1, 2027.

That gap matters. If you are losing other coverage on December 31 -- job-based insurance, COBRA, a spouse's plan -- you need your new coverage in place on January 1, not February 1. That means completing your enrollment by December 15.

Most people assume they have until January 15 for January 1 coverage. They do not.

If January 1 is your target start date, plan to complete enrollment in November and give yourself enough time to compare options carefully. Rushing to meet December 15 is better than missing it entirely.

To start your ACA review: https://app.retireflo.com/under65

Silver And Secure 830-406-6654 | [email protected]

10/21/2026

SEPs -- Coverage When Life Does Not Follow the Calendar

Open enrollment windows are designed for planning ahead. Life does not always cooperate.

If a qualifying life event happens outside of open enrollment, a Special Enrollment Period may allow you to make coverage changes without waiting for the next annual window.

For Medicare Advantage and Part D plans, qualifying SEP events include: moving to an address outside your current plan's service area; losing other creditable coverage; qualifying for Extra Help or Medicaid; moving into or out of a skilled nursing or long-term care facility; and your plan leaving Medicare or ending coverage in your area. Medicare SEP changes typically take effect the first of the month following enrollment -- not on a fixed January 1 date like AEP changes.

For ACA Marketplace plans, qualifying SEP events include: losing job-based coverage; losing other Minimum Essential Coverage; moving to a new coverage area; marriage; birth or adoption; and divorce or legal separation that results in loss of coverage. Prior Minimum Essential Coverage is generally required, and you have 60 days from the qualifying event to enroll.

SEP windows are time-limited. If a qualifying event happened recently and you have not acted yet, check whether your window is still open before assuming you have missed it.

Silver And Secure 830-406-6654 | [email protected]

10/19/2026

If You Are Between 60 and 65, November 1 Is Your Date.

Medicare gets most of the attention during this season -- and for good reason. But if you are not yet 65, there is a separate enrollment window that matters just as much for you.

ACA Marketplace Open Enrollment starts November 1.

This is the one time each year when you can enroll in, change, or drop individual health coverage without a qualifying life event. The window runs through January 15, 2027, with December 15 as the cutoff for January 1 coverage.

A few reasons this matters especially if you are in your early 60s:

People in this age range often pay some of the highest ACA premiums by age. Subsidies are income-based -- not asset-based -- and many people qualify for more premium assistance than they realize.

If you are on COBRA, you are paying the full premium your employer used to share. A subsidized Marketplace plan is often substantially less expensive.

If your carrier is leaving the Marketplace for 2027 -- nine have announced exits -- you need to actively select a new plan. Auto-enrollment in a replacement plan is possible but not always the best fit.

To start your ACA review: https://app.retireflo.com/under65

Silver And Secure 830-406-6654 | [email protected]

10/16/2026

AEP Is Open. Here Is How the Process Works.

AEP opened yesterday. Here is exactly how I work with clients during this period.

You complete the intake form. It captures your current plan, your medications, and your doctors. It takes about 5 minutes.

I run the comparison. I look at every plan available in your area for 2027 and identify the options that fit your specific situation -- network, formulary, premium, and out-of-pocket exposure.

We review the results together. I walk you through what I found and give you my honest assessment. If your current plan is still your best option, I will tell you that clearly. If something fits better, we go through the specifics.

You make the decision. I handle the paperwork.

The review is free. Changes take effect January 1. The window closes December 7.

If you are a current client: watch for my outreach over the coming weeks. I review every client's situation during AEP and reach out to anyone I think should take a closer look.

If you are new to Silver And Secure: the intake form below is where we start.

https://medicare.healthsherpa.com/intake/jill-bullock

Silver And Secure 830-406-6654 | [email protected]

HealthSherpa Medicare

10/14/2026

Tomorrow, AEP Opens. Here Is What I Want You to Do.

The Medicare Annual Enrollment Period opens tomorrow -- October 15 -- and runs through December 7.

Please do not let your plan auto-renew without a review. Plans change. Networks change. Formularies change. Auto-renewal is not a decision -- it is an absence of one.

Here is what I would like you to do this week: find the ANOC your plan mailed by September 30 and read it. Note anything that looks different from what you expected.

Then complete the intake form below so I can run your comparison properly:

https://medicare.healthsherpa.com/intake/jill-bullock

This takes about 5 minutes on your end. I do the rest.

If you have family or friends on Medicare who tend to let things roll over without looking, this is a good week to mention it to them. The review is free and there is no obligation to change anything.

Silver And Secure 830-406-6654 | [email protected]

HealthSherpa Medicare

10/12/2026

ACA Open Enrollment Opens November 1. What You Need to Know.

If you buy your own health insurance -- or if someone you know does -- ACA Marketplace Open Enrollment opens November 1 for 2027 coverage.

Key dates:

November 1: enrollment opens on healthcare.gov. December 15: deadline to enroll for a January 1 start date. January 15, 2027: enrollment closes. Plans selected after December 15 start February 1.

This is the one time each year you can enroll in or change a Marketplace plan without a qualifying life event. Outside of this window, you need a specific qualifying event and in most cases prior coverage.

A few things worth knowing for 2027: nine carriers have announced they are leaving the Marketplace. If your current carrier is among them, you will need to select a new plan -- auto-enrollment in a replacement plan is possible but active selection is always better.

Subsidies are based on income, not assets. If your income changed this year, your subsidy eligibility may have changed too.

To start your ACA review: https://app.retireflo.com/under65

Silver And Secure 830-406-6654 | [email protected]

Welcome to the Health Insurance Marketplace®. Official government website.

10/09/2026

The Real Cost of Doing Nothing During AEP

The most common thing I hear during this season: "I will probably just keep what I have."

Sometimes that is exactly the right call -- after a real review confirms it.

But "probably just keep what I have" as a default, without actually looking, is how people end up paying a higher premium for the same plan when a comparable option costs less, losing access to a doctor they rely on because the network changed, paying significantly more for a drug that moved to a higher formulary tier, or staying in a plan that no longer fits their health situation.

Plan designs change every year. Health situations change. What worked at 65 is not automatically the right fit at 72.

The review takes less than an hour and costs nothing. It does not obligate you to change anything.

AEP runs October 15 through December 7. If you want to know your current plan is actually still the right fit -- rather than assuming it is -- that is what the review is for.

Start here: https://medicare.healthsherpa.com/intake/jill-bullock

Silver And Secure 830-406-6654 | [email protected]

HealthSherpa Medicare