Category: Latest Posts

  • Am I eligible for a $500 health insurance refund? What you need to know

    Am I eligible for a $500 health insurance refund? What you need to know

    About 1 million Americans in 30 states using the federal Healthcare.gov exchange without subsidies will receive a one-time $500 rebate due to excess user fees that increased premiums. The 2026 fee was 2.5%, set to drop to 1.9% in 2027. Those in states with their own marketplaces or receiving subsidies are not eligible. No application is required; payments will be issued in October.

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  • Texas Medicaid Waits Are Getting Longer

    From Early-Q1 to Mid-Q3, Texas Medicaid applications awaiting action went from ~1.6K to >210K, while SNAP backlog moved from ~3.7K to >150K.
    By Mid-Q3, Texas Medicaid processing time reached ~70 days from ~50, and applications handled within the 45-day federal standard fell to ~60%.
    Texas SNAP wait times stretched from ~20 days in Early-Q1 to >30 in Mid-Q3, as new federal mandates added case reviews, training, and tech work.
    Because Texas uses one application for Medicaid and SNAP, changes in either program can strain the same worker pool and a manual-heavy system.
    Advocates said Texas may need faster relief through community partnerships or in-person enrollment events, because major technology upgrades were expected to take years.

  • Texas Premiums Rise in Plan Year 2027

    In Texas, health, dental and vision premiums are increasing for Plan Year 2027. Retiree rates changed Sept. 1, with more changes Jan. 1, 2027.
    Texas will continue paying 100% of health premiums for eligible retirees, so many will not feel higher health plan costs in Plan Year 2027.
    Higher 2027 costs can affect retirees lacking full state support, part-time retirees, households covering dependents, survivors, and others without a state premium contribution.
    Texas said higher care use and rising medical, drug, and vision costs drove changes. Dental and vision increases are meant to support access and coverage.
    Vision premiums also rise to support continued coverage, and Texas said updated premium details for retirees with federal coverage will be posted in Early-Q4.

  • Will you see a change in your annuity in Plan Year 2027?

    Will you see a change in your annuity in Plan Year 2027?

    ERS annuity payments are made on the last business day of each month, with upcoming dates on September 30, October 30, and November 30. Premium changes effective September 1 may alter annuity amounts for some plans. Optional Term Life Insurance coverage decreases starting at age 70, with premiums increasing every five years. Medicare-eligible retirees will see premium changes effective January 1, 2027.

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  • Texas Fights to Recover Medicaid Funding

    Texas escalated efforts to recover nearly $10B in Medicaid funding withheld from hospitals, while working with the federal health agency to protect care.
    The disputed funding helps hospitals cover the gap between Medicaid reimbursements and actual treatment costs for low-income Texans, while supporting critical emergency care statewide.
    Texas officials said the state's financing follows federal law, and hospitals were expected to receive funds at the current fiscal year's start.
    Each day of delay cost Texas hospitals about $27M, underscoring why state leaders publicly pressed federal officials to resolve the impasse quickly.
    Federal officials said they remained engaged with Texas and were monitoring compliance and potential effects on Medicaid beneficiaries' access to care statewide.

  • Texas Annuity Changes for Plan Year 2027

    Texas annuity payments are deposited or mailed on each month's last business day, with fall dates set for September 30, October 30, and November 30.
    If you pay part of your premium or a dependent's premium, your annuity amount could look different because some plan premiums changed on Sept. 1.
    Texas retirees with optional term life coverage should note benefits begin decreasing at age 70, while premium rates continue increasing every five years as standard.
    Retirees can elect a lower coverage level or drop optional term life at any time; age-based reductions apply each Jan. 1 annually.
    For retirees eligible for Medicare, any premium changes take effect Jan. 1, 2027, with details coming in Late-Q3 enrollment packets and a Late-Q4 update.

  • Texas Hospitals Face a Medicaid Funding Shortfall

    As Texas' new fiscal year began, hospitals expected to lose $27M daily after federal officials withheld approval for ~$9.8B in added Medicaid funding.
    The largest hit involved a hospital reimbursement program that helped cover gaps between Medicaid payments and actual care costs for Texas providers serving low-income patients.
    Hospitals called those matched dollars critical. Without them, leaders said service cuts were likely, while ~4M low-income Texans enrolled in Medicaid could feel strain.
    In Houston, the public healthcare system could see at least $258M less next year, while the broader region could lose as much as $1.4B.
    State leaders said Texas' hospital tax structure complies with federal law and pressed for a resolution without future penalties if any restructuring is required.
    If the dispute continues, the state estimated the loss could reach $12B in 2027, and even approval soon would still delay payments for months.

  • Dallas Marketplace Coverage Expands Amid Evolving Health Trends

    Dallas Marketplace Coverage Expands Amid Evolving Health Trends

    Dallas health insurance faces rising premiums, reduced financial aid, and stricter enrollment, leading many to choose lower-cost plans with higher deductibles or switch to employer coverage. This shift raises concerns about delayed care and increased strain on healthcare providers. Consumers are urged to carefully compare plans, considering costs, benefits, and provider access. Professional guidance is increasingly important to navigate complex options and secure affordable, comprehensive coverage.

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  • Discover If You Qualify for a $500 Obamacare Refund

    Discover If You Qualify for a $500 Obamacare Refund

    Nearly 1 million Americans who bought Obamacare plans through HealthCare.gov without premium assistance in 30 federal exchange states will receive $500 refunds starting October 2026. The refunds address excessive user fees collected during the Biden administration. The payment is a flat amount from surplus fees, not based on individual overpayment. While helpful, the one-time $500 refund offers limited relief amid rising insurance premiums and costs.

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  • Understanding your 2027 premiums

    Understanding your 2027 premiums

    Premiums for health, dental, and vision insurance under ERS will increase in Plan Year 2027. Medicare-eligible retirees will see premium hikes starting January 1, 2027, while non-Medicare retirees' rates rose September 1. The State of Texas will continue covering 100% of health premiums for eligible retirees, but others, including those with dependents or part-time retirees, will face higher costs. Dental premiums will rise 12.5% to expand provider networks, and vision premiums will increase 7.5% due to higher usage and costs. Life insurance contributions will also increase proportionally.

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