In this episode of Insurance Matchmaking, Matt Libby breaks down the crucial December 15 deadline for Affordable Care Act (ACA) health insurance enrollments and shares practical strategies to help you find a plan that fits your budget. Matt explains rising premiums, subsidy limits, and how income affects your tax credit. He also compares bronze, silver, and gold plans—offering insights on why a bronze plan might be the smarter move this year for many families. Plus, learn how supplemental options like critical illness and accident coverage can protect against major medical costs. This episode is a must-listen for anyone needing last-minute guidance on their marketplace health plan.
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In this episode of Insurance Matchmaking, Matt Libby breaks down the critical end-of-year deadlines for both Medicare and Affordable Care Act (ACA) health insurance enrollment. Recorded in early December, this episode serves as an essential reminder for Medicare Advantage and prescription drug plan changes before December 7, and marketplace plan updates before December 15. Matt explains special enrollment periods, guaranteed issue opportunities for Medicare supplements, and tips for navigating rising health insurance premiums. He also provides practical advice for new enrollees and those transitioning from employer coverage. Don't miss this "deadline guide" to ensure your coverage stays active and affordable.
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In this episode of Insurance Matchmaking, Matt Libby and Elijah discuss what every senior needs to know when approaching Medicare age. They cover key topics including the timing of Medicare enrollment, avoiding late penalties, differences between agents and brokers, and what to do when moving to another state. Matt also shares insight on supplement plans, local expert support, and options for long-term care coverage. Whether you're turning 65 soon or helping a loved one navigate the process, this episode offers practical, no-pressure guidance to prepare you for Medicare with confidence.
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In this episode of Insurance Matchmaking, Matt Libby breaks down what the end of enhanced ACA tax credits really means — and why no one is "losing" their insurance, despite political headlines. He explains how insurance affordability is shifting in 2025, what the 400% subsidy cliff looks like now, and how to make smart coverage decisions, whether you're buying through the Marketplace or on Medicare.

Topics Covered:

What happens now that enhanced ACA subsidies weren't extended
Why Silver plan premiums are rising and how tax credits offset costs
Practical examples showing how rate changes really impact clients
Medicare updates: deductibles, prescription drug caps, and Advantage plan changes
The truth behind rising costs — what's causing them and how to plan ahead
How to review your Part D drug plan before December 7 to avoid paying more in 2026
Matt also explains special enrollment opportunities, changes to Advantage plan service areas, and the importance of checking your drug coverage before the year ends.

📅 Schedule your policy review or enrollment consultation at MattLibbyInsurance.com
🎧 Catch earlier episodes and updates on YouTube — don't forget to subscribe and share!


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In this episode of Insurance Matchmaking, Matt Libby breaks down the latest updates affecting both Medicare and Affordable Care Act (ACA) marketplace plans during the busy dual enrollment season. With government funding restored but no extension of enhanced ACA tax credits, Matt explains what this means for premiums, subsidies, and plan selection in 2025.

You'll learn:

Why some ACA premiums are increasing—and why some clients still qualify for $0 bronze plans
How to decide between Bronze, Silver, and Gold marketplace plans
Ways to reduce out-of-pocket costs with supplemental coverage like accident and critical illness plans
Updates on the Medicare Advantage and Part D prescription plan landscape
Why most Medicare plans now include prescription deductibles and how the new Inflation Reduction Act impacts costs
How to handle changes in provider networks and why working with a licensed agent matters
Matt also discusses how the insurance industry's recent shift to non-commissionable drug plans affects clients and why state regulators are stepping in.

📅 Schedule your consultation at MattLibbyInsurance.com or follow Matt Libby on YouTube for more updates.


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In this episode of Insurance Matchmaking, Matt Libby takes a deep dive into the Affordable Care Act's 2025 open enrollment season and what recent federal changes mean for everyday Americans — especially those near the 400% subsidy cutoff.

Matt breaks down:

What happens now that expanded ACA tax credits weren't extended
How the "subsidy cliff" affects middle- and upper-income families
The real cost difference between Bronze, Silver, and Gold marketplace plans
Short-term medical, Medi-Share, and fixed-benefit alternatives
How Health Savings Accounts (HSAs) can lower taxable income and boost affordability
Learn why "free" plans aren't always the best and get practical advice on choosing a health plan that fits your lifestyle and budget — especially if you're self-employed, a small business owner, or losing employer coverage.

💻 Schedule your plan review at MattLibbyInsurance.com
🎧 Listen weekly on Grace 107.7 FM or find past episodes on YouTube.


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