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  • 5 Takeaways from the CMS 2027 Marketplace Proposed Rule

    5 Takeaways from the CMS 2027 Marketplace Proposed Rule
    2026/02/13
    This week, CMS released their 2027 Marketplace Proposed Rule. Join us as we pull out 5 takeaways insurance agents should know about.

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    🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!

    📧Connect with the Ritter Insurance Marketing Sales Team Near You!

    💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    2016 vs. 2026: The Insurance Edition

    2026 ACA Enrollment Update

    5 Tips for New Insurance Agents

    5 Tips for Seasoned Insurance Agents

    CMS 2027 MA & Part D Advance Notice

    What are the CMS Medicare Gift Rules?

    References:

    “CMS Model Consent Form for Marketplace Agents, Brokers, Web-brokers, and Agencies.” Cms.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/marketplace/agents-brokers/files/cms-model-consent-form-marketplace-agents-brokers.pdf.

    “CMS Proposes Regulations to Lower Health Care Costs, Expand Consumer Choice, and Protect Taxpayers.” Cms.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/newsroom/press-releases/cms-proposes-regulations-lower-health-care-costs-expand-consumer-choice-protect-taxpayers.

    “HHS Notice of Benefit and Payment Parameters for 2027 Proposed Rule.” CMS.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-payment-parameters-2027-proposed-rule.

    “Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2027; and Basic Health Program.” Federalregister.Gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, www.federalregister.gov/public-inspection/2026-02769/patient-protection-and-affordable-care-act-benefit-and-payment-parameters-for-2027-and-basic-health.

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    Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance

    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel

    Not affiliated with or endorsed by Medicare or any government agency.
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    17 分
  • 4 Ways to Fund Hybrid Long-Term Care Insurance Agents Should Mention

    4 Ways to Fund Hybrid Long-Term Care Insurance Agents Should Mention
    2026/02/11
    Can your clients afford hybrid long-term care insurance? It might be more affordable than they think. Learn more about the ways hybrid or linked-benefit LTCi can be funded in this episode.

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    Get Connected:

    🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!

    📧Connect with the Ritter Insurance Marketing Sales Team Near You!

    💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    4 Out-of-the-Box Long-Term Care Insurance Solutions

    5 Tips for New Insurance Agents

    5 Tips for Seasoned Insurance Agents

    Annuities vs. 401(k)s: Examining Differences That Can Matter to Clients

    Selling Long-Term Care Insurance

    What You Need to Know About 1035 Exchanges

    References:

    “Qualified vs. nonqualified annuities explained.” Thrivent.com, Thrivent, 19 Dec. 2025, https://www.thrivent.com/insights/annuities/qualified-vs-nonqualified-annuities-explained.

    Plaehn, Tim. “What is Tax-Qualified Money?” budgeting.thenest.com, The Nest, https://budgeting.thenest.com/can-deferred-compensation-rolled-401k-22900.html. Accessed 15 Jan. 2025.

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    Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance

    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel

    Not affiliated with or endorsed by Medicare or any government agency.
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    7 分
  • What Is E&O Insurance & Do You Need It?

    What Is E&O Insurance & Do You Need It?
    2026/02/09
    When the unexpected happens in your business, it’s important to have all your bases covered. In this episode learn what Errors and Omissions Insurance is and how it could save your business thousands in legal costs.

    Read the text version

    💵Save Up to 50% On E&O Insurance 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    5 Tips for New Insurance Agents

    4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency

    Developing Power Habits ft. Dr. Noah St. John

    IntegrityCONNECT

    The Benefits of Joining a Top Insurance FMO

    Tips for Working With a Difficult Client

    References:

    Metz, Jason. “Best Small Business Insurance.” Forbes, Forbes Magazine, 24 Dec. 2025, https://www.forbes.com/advisor/business-insurance/best-small-business-insurance/.

    Bonner, Marianne. “Errors and Omissions Insurance: What It Is, How It Works, and Who Needs It.” Investopedia, Investopedia, https://www.investopedia.com/terms/e/errors-omissions-insurance.asp. Accessed 5 Jan. 2026.

    Rubin, Paul H. “More Money into Bad Suits - Nytimes.Com.” The New York Times, https://www.nytimes.com/roomfordebate/2010/11/15/investing-in-someone-elses-lawsuit/more-money-into-bad-suits. Accessed 5 Jan. 2026.

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    Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance

    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel

    Not affiliated with or endorsed by Medicare or any government agency.
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    8 分
  • 2026 ACA Enrollment Update

    2026 ACA Enrollment Update
    2026/02/06
    The Friday Five for February 6, 2026: IntegrityCONNECT QuestionEducational Resources for Insurance AgentsGovernment Funding Bill UpdateLuffu AI for Family CaregiversACA Enrollment Comparison Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Educational Resources for Insurance Agents: Content Library eBooks & Guides List of Ritter Events & Webinars Government Funding Bill Update: Freking, Kevin. “House Passes Bill on Government Funding to End Partial Shutdown.” PBS, Public Broadcasting Service, 3 Feb. 2026, www.pbs.org/newshour/politics/watch-live-house-holds-key-procedural-vote-on-government-funding-to-end-partial-shutdown. “Senate passes government spending package, including healthcare funding.” Fiercehealthcare.com, Fierce Healthcare, 31 Jan. 2026, https://www.fiercehealthcare.com/providers/partial-government-shutdown-looms-threatening-stall-health-funding-package-telehealth. Luffu AI for Family Caregivers: “Fitbit founders launch AI platform to help families monitor their health.” Technrunch.com, TechCrunch, 3 Feb. 2026, https://techcrunch.com/2026/02/03/fitbit-founders-launch-ai-platform-to-help-families-monitor-their-health/. “Fitbit’s founders launch a new platform for monitoring your entire family’s health.” Theverge.com, The Verge, 3 Feb. 2026, https://www.theverge.com/tech/872963/fitbit-james-park-eric-friedman-luffu-caregivers-family-health-app. “Fitbit’s founders push AI into family caregiving.” Axios.com, Axios, 3 Feb. 2026, https://www.axios.com/2026/02/03/fitbit-founders-ai-family-caregiving. “From the Founders of Fitbit: Introducing Luffu, Your Guardian for Family Health & Safety.” PRNewswire.com, PR Newswire, 3 Feb. 2026, https://www.prnewswire.com/news-releases/from-the-founders-of-fitbit-introducing-luffu-your-guardian-for-family-health--safety-302676975.html. “Luffu Official Website” luffu.com, Luffu, https://www.luffu.com/, Accessed 3 Feb. 2026. ACA Enrollment Comparison: “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” Cms.gov, Centers for Medicare & Medicaid Services, 28 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-2. Related ASG Podcast Episodes: 5 Tips for New Insurance Agents 2016 vs. 2026: The Insurance Edition CMS 2027 MA & Part D Advance Notice Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Introducing a Content Marketing Solution for Insurance Agents IntegrityCONNECT FAQs Follow Us on Social! Ritter on Facebook, Instagram, LinkedIn, TikTok, X, and YouTube Sarah on LinkedIn, Instagram, Threads, and Bluesky Not affiliated with or endorsed by Medicare or any government agency.
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    14 分
  • ACA Subsidies & Their Eligibility Requirements

    ACA Subsidies & Their Eligibility Requirements
    2026/02/04
    Learn about ACA subsidies and their requirements to help your clients save on health insurance!

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    🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    5 Myths About Selling ACA Health Insurance Plans

    How the ACA Subsidy Cliff Impacts Clients Shopping for Marketplace Coverage

    How to Assist Clients with Marketplace Household Income Estimations

    How to Help Clients Navigate ACA Marketplace Subsides & Taxes

    What Are the ACA Marketplace Alternatives for Health Insurance?

    References:

    “Federal Poverty Level (FPL) - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/federal-poverty-level-fpl/. Accessed 2 Jan. 2026.

    Norris, Lousie. “IRS Regulations Fix the ACA’s ‘family Glitch’ as of 2023.” Healthinsurance.Org, healthinsurance.org, 2 Sept. 2025, www.healthinsurance.org/obamacare/irs-regulations-fix-the-acas-family-glitch-as-of-2023/.

    “Medicaid Expansion & What It Means for You.” HealthCare.Gov, https://www.healthcare.gov/medicaid-chip/medicaid-expansion-and-you/. Accessed 2 Jan. 2026.

    “Poverty Guidelines.” ASPE, https://www.aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Accessed 2 Jan. 2026.

    Yearly Guidelines & Thresholds, Updated February 2023 Reference Chart, https://www.healthreformbeyondthebasics.org/wp-content/uploads/2024/08/REFERENCE_YearlyGuidelines_CY2025.pdf. Accessed 2 Jan. 2026.

    Follow Us on Social!

    Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance

    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel

    Not affiliated with or endorsed by Medicare or any government agency.
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    6 分
  • Fixed vs. Indexed vs. Fixed Indexed Annuities: What’s the Difference?

    Fixed vs. Indexed vs. Fixed Indexed Annuities: What’s the Difference?
    2026/02/02
    Delve into the nuance of annuities as we compare fixed, indexed, and fixed indexed annuities. Learn more about each type, including how to help your clients choose between the three. Read the text version Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents Why Gen Z is a Good Fit For Selling Insurance References: “28 Retirement Statistics You Should Know for 2025.” HarborLifeSettlements.com, HarborLife Settlements, 29 Apr. 2025, https://www.harborlifesettlements.com/retirement-statistics/. “Annuities Overview.” Finra.org, FINRA, https://www.finra.org/investors/investing/investment-products/annuities. Accessed 15 Jan. 2026. Schaaf, Janet. “Guide to the Average Savings in America by Age.” SoFi.Com, SoFi, 12 Dec. 2025, www.sofi.com/learn/content/average-savings-by-age. Tancock, Kat. “How Much You Should Save for Retirement at Every Age” synchrony.com, Synchrony, 29 Jul. 2025, https://www.synchrony.com/blog/bank/retirement-savings-goals-at-every-age. Baluch, Anna. “How Much Does an Annuity Cost?” Edited by Lamia Chowdhury and John Stevenson, Annuity.Org, Annuity.org, 12 Dec. 2025, www.annuity.org/annuities/fees-and-commissions/. “S&P 500 Index.” Google.Com, Google Finance, www.google.com/finance/beta/quote/.INX:INDEXSP. Accessed 15 Jan. 2026. “Single premium immediate annuity (SPIA): Pros, cons & taxes.” Thrivent.com, Thrivent, 26 Aug. 2025, https://www.thrivent.com/insights/annuities/what-is-a-spia. “Types of fixed deferred annuities: Which is right for you?” thrivent.com, Thrivent, 12 Jan. 2026, https://www.thrivent.com/insights/annuities/types-of-fixed-deferred-annuities-which-is-right-for-you. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.
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    19 分
  • CMS 2027 MA & Part D Advance Notice

    CMS 2027 MA & Part D Advance Notice
    2026/01/30
    The Friday Five for January 30, 2026 Meta Announces Premium SubscriptionsTikTok USDS Troubles & New CompetitorsFY 2026 Appropriations Bills2025 Tax Season & H.R. 7006CMS 2027 MA and Part D Advance Notice Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Meta Announces Premium Subscriptions: Weatherbed, Jess. "Instagram, Facebook, and WhatsApp will test premium subscriptions." theverge.com, The Verge, 27 Jan. 2026, https://www.theverge.com/news/868439/meta-premium-subscription-ai-facebook-instagram-whatsapp. "Meta Confirms Testing of Premium Instagram, Facebook and WhatsApp Subscriptions." cnet.com, CNET, 27 Jan. 2026, https://www.cnet.com/news/social-media/meta-confirms-testing-of-premium-instagram-facebook-and-whatsapp-subscriptions/. "Meta to test premium subscriptions on Instagram, Facebook, and WhatsApp." TechCrunch.com, TechCrunch, 26 Jan. 2026, https://techcrunch.com/2026/01/26/meta-to-test-premium-subscriptions-on-instagram-facebook-and-whatsapp/. TikTok USDS Troubles & New Competitors: Sato, Kiichiro, "5 things to know about the TikTok deal." Politico.com, Politico, 22 Jan. 2026, https://www.politico.com/news/2026/01/22/5-things-to-know-about-the-tiktok-deal-00743316. "Announcement from the new TikTok USDS Joint Venture LLC." newsroom.tiktok.com, TikTok, 22 Jan. 2026, https://newsroom.tiktok.com/announcement-from-the-new-tiktok-usds-joint-venture-llc. Bell, Karissa. "A TikTok US power outage caused a 'cascading systems failure' leading to multiple bugs." Engadget.com, Engadget, 27 Jan. 2026, https://www.engadget.com/social-media/a-tiktok-us-power-outage-caused-a-cascading-systems-failure-leading-to-multiple-bugs-173426490.html. "Here's what you should know about the US TikTok deal." TechCrunch.com, TechCrunch, 23, Jan 2026, https://techcrunch.com/2026/01/23/heres-whats-you-should-know-about-the-us-tiktok-deal. Bell, Karissa. "People are uninstalling TikTok and downloading an indie competitor." Engadget.com, Engadget, 26 Jan. 2026, https://www.engadget.com/social-media/people-are-uninstalling-tiktok-and-downloading-an-indie-competitor-233345222.html. Conner, Adam. "The TikTok Deal Leaves Many Questions Unanswered." americanprogress.org, Center for American Progress, 23 Jan 2026, https://www.americanprogress.org/article/the-tiktok-deal-leaves-many-questions-unanswered/. Scanlon, Krystal. "TikTok’s confirmed U.S. deal still leaves unanswered questions." digiday.com, Digiday, 26, Jan. 2026, https://digiday.com/marketing/tiktoks-confirmed-u-s-deal-still-leaves-unanswered-questions/. "TikTok finalizes deal to form new American entity." NPR.org, NPR, 22 Jan. 2026, https://www.npr.org/2026/01/22/nx-s1-5685456/tiktok-finalizes-deal-to-form-new-american-entity. Jacobs, Skye. "TikTok quietly expands location tracking and ad targeting for US users." Techspot.com, TechSpot, 26 Jan. 2026, https://www.techspot.com/news/111061-tiktok-quietly-expands-ad-targeting-location-tracking-us.html. “Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall, Accessed 28, Jan. 2026. Wheatman Hill, Laura. "We Should Just Let TikTok Die." Slate.com, Slate, 27 Jan 2026, https://slate.com/technology/2026/01/tiktok-outage-oracle-ice-shooting.html. FY 2026 Appropriations Bills: “Appropriations Status Table: FY2026.” Congress.Gov, United States Congress, 23 Jan. 2026, www.congress.gov/crs-appropriations-status-table. "Assessing FY 2026 Appropriations." crfb.org, Committee for a Responsible Federal Budget, 15 Jan. 2026, https://www.crfb.org/blogs/assessing-fy-2026-appropriations. "H.R.7148 - 119th Congress (2025-2026): Consolidated Appropriations Act, 2026." Congress.Gov, United States Congress, 21 Jan. 2026, https://www.congress.gov/bill/119th-congress/house-bill/7148. "House Votes 341-88 for 'Minibus' Spending Package." thinkadvisor.com, Think Advisor, 22 Jan. 2026, https://www.thinkadvisor.com/2026/01/22/house-votes-341-88-for-minibus-spending-package/. "Labor, Health and Human Services, Education, and Related Agencies Appropriations Act, 2026." appropriations.house.gov, U.S. House of Representatives Appropriations Committee, https://appropriations.house.gov/sites/evo-subsites/republicans-appropriations.house.gov/files/evo-media-document/final-fy26-lhhs-minibus-4-summary.pdf. Accessed 26 Jan. 2026. "Partial government shutdown looms, threatening to stall health funding package, telehealth extensions." Fiercehealthcare.com, Fierce Healthcare, 26, Jan. 2026, https://www.fiercehealthcare.com/providers/sick-fighting-insurers-hospitals-offer-their-own-medicare-advantage-plans. "U.S. House passes final minibus funding package." naco.org, National Association of Counties, 22 Jan. 2026, https:...
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    20 分
  • IntegrityCONNECT FAQs

    IntegrityCONNECT FAQs
    2026/01/26
    Get the details on IntegrityCONNECT! Join Sarah and Tina for a deep dive into frequently asked agent questions.

    Read the text version

    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    FAQs About the Medicare Call Recording Requirements

    How Health Insurance Agents Can Stay TCPA Compliant

    Meet Your Sales Team

    Integrity Official Site

    Integrity Support Email

    Ritter Events, Training, & Webinar List

    Follow Us on Social!

    Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance

    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel

    Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

    Not affiliated with or endorsed by Medicare or any government agency.
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    14 分