Matt Libby kicks off this episode of Insurance Matchmaking with a personal story about surviving a Tennessee ice storm and furnace troubles before diving into a thoughtful discussion on wages, tipping culture, and how income reporting impacts your health insurance and future financial security.

He explains how underreporting income — especially tips — can affect eligibility for Affordable Care Act (ACA) subsidies, Social Security benefits, and disability payments. Matt also gives insights from personal experience working minimum wage jobs, the importance of reporting real income, and how making small, honest financial adjustments today can mean better healthcare affordability and retirement stability later.

Key Topics:

Surviving power outages and winter furnace woes
The real story behind minimum wage and "living wage" discussions
Why reporting tips impacts your health insurance subsidies
How income affects Social Security and disability calculations
Why tipping on credit cards can actually help workers long-term

#InsuranceMatchmaking #HealthInsurance #TaxCredits #MinimumWage #MattLibbyInsurance

In this episode of Insurance Matchmaking, Matt Libby dives deep into what happens when you turn 65 while already on a Medicare Advantage Plan—especially if you qualified for Medicare early due to disability. He breaks down how your drug coverage transitions, the difference between Medicare Advantage, Medicare Supplement, and TRICARE for Life, and why timing your decisions can affect your out-of-pocket costs.

Matt also explains how to navigate formulary changes, network differences, deductible resets, and guaranteed issue options when switching plans. Plus, he shares practical tips on when hospital indemnity or cancer plans can provide valuable financial protection alongside your Medicare coverage.

Key Topics Covered:

Transitioning from disability Medicare Advantage to Medicare Supplement at 65
Understanding Medicare Part D drug coverage limits
TRICARE and VA coordination with Medicare plans
Guaranteed issue periods for supplements and hospital indemnity
Why a high deductible Plan G may be a smart, flexible option

#MedicareCoverage #TRICAREForLife #InsuranceMatchmaking #MattLibbyInsurance #MedicarePlanning

Matt Libby discusses important updates for health insurance and ACA marketplace plans at the start of 2026. He explains the impact of missing key enrollment deadlines, how income affects your Advanced Premium Tax Credit (APTC), and what to do if your insurance premiums have unexpectedly increased. Matt also covers tax filing reminders, how to get your Form 1095-A early through his office, and why staying informed can help prevent costly surprises during tax time. Later in the show, he shares valuable insights on Social Security timing, how income impacts subsidies, and alternative coverage options like short-term and fixed-benefit plans for those who missed open enrollment.

Key topics:

2026 ACA tax credit and subsidy updates
Avoiding marketplace enrollment pitfalls
How income changes affect your healthcare premiums
Getting your 1095-A form early through HealthSherpa
Affordable alternatives for 2026 coverage

#InsuranceMatchmaking #HealthMarketplace #TaxCredits #AffordableCareAct #MattLibbyInsurance

In this post-enrollment wrap-up episode of Insurance Matchmaking, Matt Libby and team member Elijah Ridley reflect on the recent Medicare and Marketplace enrollment season. Elijah shares lessons from his first open enrollment, including surprises about how complex Medicare can be and why younger adults should start learning about it early—especially when helping aging parents navigate their coverage.

Matt and Elijah also discuss:

The Medicare Advantage Open Enrollment Period (Jan–Mar) and what it means for those needing to make changes.
The real story behind the Affordable Care Act subsidy changes, clarifying common political misconceptions.
How to evaluate coverage options carefully rather than focusing solely on the lowest premium.
Why working with a local, trusted insurance agent helps ensure you get the right plan for your needs.
The importance of planning early for long-term care costs, which continue to rise every year.
Whether you're on Medicare, the Marketplace, or just want to help your parents understand their coverage, this episode is full of practical advice and firsthand insights to guide you through 2026.

#InsuranceMatchmaking #MedicareEnrollment #MattLibbyInsurance #HealthCoverage #MedicareAdvantage #LocalAgent #HealthInsuranceTips

In this insightful follow-up episode of Insurance Matchmaking, Matt Libby welcomes back financial coach Caleb Allen of Leb Financial. Together, they explore smart year-end financial strategies rooted in biblical principles and practical budgeting. Caleb shares how intentional living, proactive planning, and the Ramsey method can help individuals and couples align their money habits with their faith and long-term goals.

They discuss the importance of budgeting for big goals like vacations, bonuses, and debt reduction while keeping generosity, stewardship, and purpose at the heart of every financial decision. Plus, learn how Ramsey's Financial Peace University programs—offered by Caleb in local churches—can create life-changing results for families of all financial backgrounds.

Tune in for timeless financial wisdom, New Year encouragement, and actionable strategies for 2026 and beyond!

#InsuranceMatchmaking #LebFinancial #FaithAndFinance #DaveRamsey #FinancialPeaceUniversity #BudgetingGoals

In this episode of Insurance Matchmaking, Matt Libby welcomes Caleb Allen from Leb Financial for a heart-to-heart conversation about faith-based financial coaching, biblical money management, and the importance of planning ahead—both spiritually and financially. They dive into topics like open enrollment deadlines, starting new habits before January, consistency in faith and fitness, and how divine guidance and thoughtful planning work together in life.

Tune in for practical insights and encouragement as Matt and Caleb share stories of faith, stewardship, and community in everyday life.

#InsuranceMatchmaking #LebFinancial #FaithAndFinance #ChristianBusiness #NewYearPlanning