This Winter, Spread Joy, Not Germs

If you’ve never worked with an insurance broker or agent to buy life or health insurance, you probably have a good reason. You might be introverted and hate talking to strangers. You might be afraid of high-pressure sales tactics. You might not see the point when you can apply online yourself. These are all valid reasons. But working with a professional the next time you need to shop for coverage could be more beneficial than you realize. Here’s what you stand to gain:

Choosing a primary care physician, or PCP, is one of the most important things you can do for your health. And with some health plans, you’ll need a primary doctor to refer you to specialists such as dermatologists, orthopedists and cardiologists. Even if your plan doesn’t require it, choosing a PCP and seeing them regularly can help you stay on top of your health. Why Having a PCP Matters An established primary care relationship can make it easier to get an appointment when you’re sick or a strange symptom crops up. Your main doctor also can be a hub for all your medical information and identify trends, such as gradually increasing blood sugar levels, that may help you avoid chronic illness. They can even be an accountability partner when you’re trying to lose weight or lower your cholesterol. Important Qualities in a PCP Ideally, your doctor will be conveniently located so that distance isn’t a barrier to seeing them. But perhaps more important is how comfortable you feel with them. If you’re from another country, you might prefer a doctor who is fluent in your first language. If you’re a woman, you might prefer a female doctor. Some people prefer older doctors for their experience, while others prefer younger doctors who may be more aware of the latest treatments and technologies. Whoever you choose, your doctor should take time to listen to you and should take your concerns seriously. They should also be proactive about recommending screenings and vaccinations appropriate for your age and risk factors. There’s never a bad time to take better care of your health. Get in touch and see how we can make it easier for you to find the right primary care doctor for your needs.

Do you know where you stand on your retirement savings goals for this year?

Whether you start your day with a latte or sip a soda with your sandwich, there’s a good chance you’re one of the millions of people who consume caffeine daily. But have you ever wondered if it’s really helping you, or if you might be drinking too much? How does caffeine help? Improved alertness: If you’ve ever been the driver on a road trip, you’ve likely relied on caffeine to plow through the long, dull stretches. Improved concentration: Focus is at a premium in this era of constant distractions. Caffeine is cheap, accessible and prescription free. Reduced pain: Some over-the-counter pain relievers include caffeine to reduce discomfort. Constipation relief: A morning cup of coffee can improve regularity and comfort. How can caffeine harm you? Wreak havoc on your sleep: Caffeine can contribute to insomnia and a cycle of caffeine dependence. Increased heart rate and blood pressure: Decaffeinated drinks may be a better choice for certain medical conditions. Increased anxiety: Instead of a pleasant buzz, you may feel unexpected dread. Withdrawal symptoms: Any disruption to your customary amount of caffeine can cause lethargy, crankiness and headaches. How much caffeine is right for you? How much caffeine you can consume in a day depends on several factors. Genetics: People metabolize caffeine at different rates. Health: Your health conditions and medications may impact how caffeine affects you. Preference: Some people don’t like to consume things that impact their alertness or mood. If you require caffeine to get through each day, you might have an underlying condition — such as sleep apnea or ADHD — that has more effective solutions. Does that sound like you? Reach out if you need help deciphering your benefits or finding in-network providers who diagnose these and other conditions.

Every year, many people suffer from seasonal affective disorder, or SAD. SAD may be a slightly too on-the-nose acronym, but it’s a legitimate medical diagnosis. Keep reading to learn more about what SAD is and how to combat it. What is SAD? SAD is a pervasive sense of gloominess brought on by a lack of sunlight. You may be more likely to experience it the farther north you live and the further into winter it gets. With day after day of gray skies — and fewer daylight hours to catch any glimpse of the sun — you might have zero motivation. Other symptoms of SAD include: Irritability. Lethargy. Oversleeping. Drowning your sorrows in carbs. Hopelessness. Aches and pains. Avoiding people and activities you normally enjoy. Trouble concentrating. These feelings are all part of the human condition. But when they’re persistent, you might want to seek treatment. Treating SAD SAD can be a beast, and we can’t all move south to escape the gloom. These treatments may help you make the best of your circumstances: Using a light box. Seeing a therapist. Taking antidepressants. Taking vitamin D supplements. Avoiding SAD Exercise may be the last thing you feel like doing when you’re experiencing SAD symptoms. So don’t let it be optional. Commit yourself to a routine of 30 minutes a day, ideally with a friend. Similarly, you may have no desire to leave the house. But even gloomy days can feel brighter outside, so try to spend at least 10 minutes outdoors. If you’re still not feeling it, you can invest in warmer, drier clothes so outside walks are more comfortable. Or even get a light box for inside to mimic natural light. Other things that may help: Water — dehydration is insidious and contributes to exhaustion. Green vegetables and omega-3s. Comedy. Company — even if it’s just to read or work in the same room. Your health insurance may cover treatments that could improve your symptoms. We’re always here to help with deciphering your coverage or finding a provider.

Health insurance premiums and medical bills can feel hard to control. One way to make these costs more manageable is through a health savings account, or HSA. It lets you save pretax dollars, then withdraw your money tax free to pay for health care. Here’s what you need to know about eligibility, contributions and withdrawals. Eligibility You must have a qualified high-deductible health plan (HDHP) to open and contribute to an HSA. You can get your qualified plan through work or the health insurance marketplace, and you can open an HSA through your employer or on your own. You also won’t lose your account if you’re laid off or change jobs. You’re not eligible for an HSA if you’re enrolled in Medicare or if someone can claim you as a dependent on their tax return. Contributions The most you can contribute in 2025 is $4,300 if your plan only covers you, and $8,550 if it covers you and a spouse or dependent. Taxpayers 55 and older can each contribute an extra $1,000. Withdrawals You don’t have to spend all your HSA funds each year. You can leave the money in your account indefinitely. You can also spend it in years when you don’t have a high-deductible plan. If you withdraw the money for anything other than a qualified medical expense, you’ll owe income tax at your marginal rate. If you’re younger than 65, you’ll also owe a 20% penalty. Long-Term Planning Some people invest HSA contributions they won’t need to withdraw for at least 10 years. Why? An HSA is the only account with no taxes on contributions, no taxes on growth and no taxes on withdrawals used to pay qualified medical expenses—it’s a triple tax advantage. Wondering how to open an HSA or have questions about how it works? Get in touch for assistance.

If you’re 60 or older, you might think the opportunity to buy life insurance has passed you by. While premiums do increase with age, you may have more options than you realize for term or permanent life insurance — even if you have some health issues. Here’s what to know: Do seniors even need life insurance? Maybe you’ve retired and no longer have coverage through work, or the term policy you bought when you were younger has expired. Yet, you don’t have enough assets to help your loved ones maintain their quality of life or avoid burdening them with your end-of-life expenses. Life insurance is designed to solve problems like these, even when you’re older. Do you need temporary coverage? A term life policy provides coverage for a predetermined number of years. Maybe you thought you’d have a paid-off home by now, but instead you have 10 years left on your mortgage. A 10-year term policy may be a good choice. Do you need permanent protection? Burial or final expense insurance is a whole life policy with a small death benefit (often $50,000 or less). It’s designed for older adults who have health issues or can’t afford a larger policy. There’s no medical exam to qualify; you only have to answer a medical questionnaire. If you’re eligible for a simplified issue policy, your coverage will begin as soon as you’re approved. If you have serious medical conditions, you can get a guaranteed issue policy. It has no medical questionnaire but doesn’t pay a death benefit for the first two years. If you die during that time, the insurance company will refund your premiums to your estate. Many seniors (and their adult children) have financial concerns that life insurance could address. Let’s explore your options today.

Getting health insurance through your job is often a major perk. Group coverage can offer better benefits at a lower cost than individual coverage. But what if you don’t like the plans offered by your employer? Maybe the premiums are too high or your doctors aren’t in network. The good news? You may have other options. The bad news? Rejecting employer coverage can make the alternatives less attractive. Affordable Care Act Marketplace Coverage Through HealthCare.gov or your state’s health insurance exchange, you can shop for individual coverage. If your income is low enough, you may receive premium tax credits and cost-sharing reductions that make premiums and care more affordable. You won’t be eligible for these money-saving features, however, if your employer’s plan meets the ACA’s requirements for affordability and minimum value . Tax Breaks on Workplace Coverage If your employer offers coverage, they’re probably paying most of the premium . Your employer considers that expense part of your compensation. Yet, if you reject coverage, you’re unlikely to get a raise. Plus, when you get coverage through work, you pay your premiums with pretax dollars — a savings you typically don’t get with individual coverage. Timing When you reject employer coverage outside of annual enrollment, you won’t be able to get a marketplace plan or opt back into employer coverage unless you have a qualifying life event. You’ll still be able to buy an individual plan outside of the marketplace, but these plans aren’t eligible for subsidies or cost sharing. Make an Informed Choice Before opting out of employer coverage, let us help you evaluate your options. We can help you compare multiple plans with your workplace insurance so you can make an informed decision and get the best policy for your budget.