Content Corner: Senior Emergencies

The Friday Five for November 13, 2026: Prepping for Year-In-Review Datamaxxing Apple Roundup Fall 2026 Edition CMS Final Rule to Codify Medicare Drug Price Negotiation Program CVS to Split Into 2 Separate Companies CMS Moratorium on New ACA Agent Registration Lifted   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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.   Prepping for Year-In-Review Datamaxxing: "Get Ready for Your Spotify Wrapped." Newsroom.spotify.com, Spotify, 5 Nov. 2026, https://newsroom.spotify.com/2026-11-05/spotify-wrapped-ready/. "More Than Music: How to Get Your Own 'Spotify Wrapped for Books' (and Share It)." Booktrack.app, Book Track App, https://booktrack.app/blog/more-than-music-how-to-get-your-own-spotify-wrapped-for-books-and-share-it/.   Apple Roundup Fall 2026 Edition: Davis, Wes. "Apple's New CEO is Reportedly Pushing to Stuff More AI into iPhones." Gizmodo, Gizmodo.com, 8 Nov. 2026, https://gizmodo.com/apples-new-ceo-is-reportedly-pushing-to-stuff-more-ai-into-iphones-2000836769. James, Luke. "Apple's new MacBook Pro tops out at $15K – here's what that gets you." Engadget.com, Engadget, 8 Nov. 2026, https://www.engadget.com/2308988/apple-macbook-pro-proled-tops-out-at-15000/. "Apple CEO Pushes Siri Agent Overhaul to Match Openai, Meta." Techbuzz.ai, The Tech Buzz, 8 Nov. 2026, https://www.techbuzz.ai/articles/apple-ceo-pushes-siri-agent-overhaul-to-match-openai-meta. Joseph, Jibin. "Apple Reportedly Wants Siri AI to Be More Agentic Next Year." Pcmag.com, PC Mag, 9 Nov. 2026, https://www.pcmag.com/news/apple-reportedly-wants-siri-ai-to-be-more-agentic-next-year. Pierce, David. "The touchscreen MacBook Pro is a winner." Theverge.com, The Verge, 5 Nov. 2026, https://www.theverge.com/tech/1026570/apple-macbook-pro-proled-xdr-display-review.   CMS Final Rule to Codify Medicare Drug Price Negotiation Program: "CMS Final Rule Strengthens Supports Lasting Drug Savings." Cms.gov, Centers for Medicare & Medicaid Services, 5 Nov. 2026, https://www.cms.gov/newsroom/press-releases/cms-final-rule-strengthens-supports-lasting-drug-savings. "Fact Sheet: Medicare Drug Price Negotiation Program and Medicare Prescription Drug Benefit Program Final Rule (CMS-4215-F)." Cms.gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/negotiation-program-final-rule-fact-sheet.pdf, Accessed 9 Nov. 2026. "Medicare Drug Price Negotiation Program and Medicare Prescription Drug Benefit Program Final Rule (CMS-4215-F)." Cms.gov, Centers for Medicare & Medicaid Services, 5 Nov. 2026, https://www.cms.gov/newsroom/fact-sheets/medicare-drug-price-negotiation-program-medicare-prescription-drug-benefit-program-final-rule-cms. "Timeline: Medicare Drug Price Negotiation Program Final Rule (CMS-4215-F)." Cms.gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/negotiation-program-final-rule-timeline.pdf, Accessed 9 Nov. 2026.   CVS to Split Into 2 Separate Companies: "CVS Health announces intent to create two distinct leaders in healthcare." Cvshealth.com, CVS Health, 4 Nov. 2026, https://www.cvshealth.com/news/company-news/cvs-health-announces-intent-to-create-two-distinct-leaders-in-healthcare.html. Constantino, Annika. "CVS Health plans to split itself up. Here's why a breakup could make sense now." Cnbc.com, CNBC, https://www.cnbc.com/2026/11/04/cvs-health-pharmacy-aetna-split.html. Minemyer, Paige. "CVS Health plans to split pharmacy business from Aetna, Caremark." FierceHealthcare.com, Fierce Healthcare, 4 Nov. 2026, https://www.fiercehealthcare.com/payers/cvs-reveals-plans-split-two-companies. Pifer Parduhn, Rebecca. "CVS to split into two companies in stunning strategic about-face." Healthcaredive.com, Healthcare Dive, 4 Nov. 2026, https://www.healthcaredive.com/news/cvs-split-two-companies-strategic-about-face/873660/.   CMS Moratorium on New ACA Agent Registration Lifted: Minemyer, Paige. "Court blocks CMS' moratorium on new ACA broker registrations." Fiercehealthcare.com, Fierce Healthcare, 5 Nov. 2026, https://www.fiercehealthcare.com/payers/nabip-sues-cms-over-moratorium-new-aca-broker-registrations. New ACA Agent Training to Continue After Moratorium Overturned "NABIP Secures Court Victory Immediately Lifting CMS Moratorium on New Agent and Broker Registration." Nabip.org, National Association of Benefits and Insurance Professionals, 5 Nov. 2026, https://nabip.org/media/11452/cms-lawsuit-hearing_press-release_261105.pdf.   Resources: 5 Ways to Survive Enrollment Season 2027 Content Corner: Senior Emergencies Medicare Advantage Deserts and Service Area Reductions: Medicare Supplement Strategies for AEP | Ted Sims The Secret to Long-Term Success ft. Debbie Hoffman   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/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Opinions expressed by interview guests are their own and not representative of Ritter Insurance Marketing or Integrity. The Agent Survival Guide Podcast is not affiliated with or endorsed by Medicare or any government agency. For Agent Training and Educational Purposes Only.

Sometimes, the health insurance options within the Affordable Care Act marketplace may not be a great fit for your under-65 clients. If your clients are looking to get coverage, make sure your portfolio is up to date on all the available options.   Read 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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: ACA 101: Selling Under-65 Health Insurance CMS Temporarily Pauses New Marketplace Agent Registrations for 2027 FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans How Much Money Can Agents Make Selling Ancillary Health Insurance? How to Prepare for AEP Like a Pro Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule Secure a Bigger, Better Business by Cross-Selling Ancillary Products with Medicare Should Medicare & ACA Clients Use Drug Discount Programs?   References: E&O Insurance for Insurance Agents. Insureon. (2024, October 25). https://www.insureon.com/insurance-agent-business-insurance/errors-omissions Minimum essential coverage (MEC). HealthCare.gov. (n.d.-a). https://www.healthcare.gov/glossary/minimum-essential-coverage/ Minimum essential coverage. CMS.gov. (2026, September 17). https://www.cms.gov/marketplace/health-plans-issuers/minimum-essential-coverage Qualifying health coverage. HealthCare.gov. (n.d.-b). https://www.healthcare.gov/glossary/qualifying-health-coverage/ Rosen, A. (2026, January 29). Navigating an unaffordable health insurance market. Johns Hopkins Bloomberg School of Public Health. https://publichealth.jhu.edu/2026/navigating-an-unaffordable-health-insurance-market Stevenson, M. (2025, August 7). Mid-year 2025 employee benefits market update: 4 trends to watch. Seubert. https://www.seubert.com/blog/mid-year-2025-employee-benefits-market-update-4-trends-to-watch/   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/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social  Not affiliated with or endorsed by Medicare or any government agency.

Discover how you can help veteran clients utilize VA Benefits, Tricare, and Medicare. Press play to learn more about how these benefits work together!   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   References: “3 Ways to Avoid the Part D Late Enrollment Penalty.” Medicare.Gov, www.medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/part-d-late-enrollment-penalty/3-ways-to-avoid-the-part-d-late-enrollment-penalty. Accessed 25 Oct. 2024. “About VA health benefits.” U.S. Department of Veterans Affairs, www.va.gov/health-care/about-va-health-benefits/. Accessed 25 Oct. 2024. “Current VA Health Care Copay Rates.” U.S. Department of Veterans Affairs, www.va.gov/health-care/copay-rates/. Accessed 25 Oct. 2024. “Getting Urgent Care at VA or In-Network Community Providers.” U.S. Department of Veterans Affairs, www.va.gov/resources/getting-urgent-care-at-va-or-in-network-community-providers/. Accessed 25 Oct. 2024. “Pharmacy Benefits Management Services.” U.S. Department of Veterans Affairs, 23 Oct. 2013, www.pbm.va.gov/nationalformulary.asp. “Tricare for Life.” TRICARE, www.tricare.mil/Plans/HealthPlans/TFL. Accessed 25 Oct. 2024. “Understanding Medicare, Veteran Benefits, and Tricare for Life.” Policy Engineer, 15 Aug. 2024, www.policyengineer.com/understanding-medicare-veteran-benefits-and-tricare-for-life/. US Census Bureau. “Veterans Day 2025: November 11.” Census.Gov, 28 Nov. 2025, www.census.gov/newsroom/facts-for-features/2025/veterans-day.html. “VA Health Care and Other Insurance.” U.S. Department of Veterans Affairs, www.va.gov/health-care/about-va-health-benefits/va-health-care-and-other-insurance/. Accessed 25 Oct. 2024.   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://twitter.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.

Call reluctance can hold the most well-intentioned insurance agents back from success. Master Certified Coach, Connie Kadansky joins Sarah to talk about how to overcome telephobia and the other forms of call reluctance agents face.   Find Connie Kadansky Online: Connie Kadansky on LinkedIn Contact Connie Kadansky Exceptional Sales Performance Website Free Assessment: Measure Your Sales Call Reluctance Objectively More Podcast Interviews featuring Connie Kadansky Subscribe to Connie’s Newsletter   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! 📢Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.   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/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social  Opinions expressed by interview guests are their own and not representative of Ritter Insurance Marketing or Integrity. The Agent Survival Guide Podcast is not affiliated with or endorsed by Medicare or any government agency.

When it comes time for your clients to start looking into health insurance plans, it’s your job to help them find the best plan for their needs. Learn about the best practices for agents assisting individuals shopping for ACA health insurance plans.   Read 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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Tips for Finding Supplemental Coverage for ACA Plans Everything You Need to Know About the ACA OEP FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans How to Help Clients Navigate ACA Marketplace Subsidies & Taxes Ritter Support Surviving OEP There's More to Life Insurance Than Just a Policy Understanding the ACA Marketplace Metal Tiers   References: Low cost marketplace health care, qualifying income levels. HealthCare.gov. (n.d.). https://www.healthcare.gov/lower-costs/ 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/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social  Not affiliated with or endorsed by Medicare or any government agency.

Ted Sims joins Sarah to talk about how to help Medicare Advantage clients facing Service Area Reductions (SARs) and coverage deserts. Learn about replacement options, when underwriting is needed, and why a high-deductible Plan G may not be as risky as you think.   Register for Upcoming Ted Sims Webinars   Resources: Integrity Agent Learning Center Integrity Webinar Training Schedule Learn more about IntegrityCONNECT   Get Connected: 🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!   🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 📢 Submit a shoutout to be read in a future episode   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/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social    Opinions expressed by interview guests are their own and not representative of Ritter Insurance Marketing or Integrity. The Agent Survival Guide Podcast is not affiliated with or endorsed by Medicare or any government agency. For Agent Training and Educational Purposes Only. Any plan benefits, premiums, copayments, coinsurance, deductibles, or other out-of-pocket costs shown are hypothetical examples provided for illustrative purposes only and are not representative of any specific insurance plan or product. Actual plan benefits and costs vary by plan, service area, eligibility, and other applicable factors. Agents must reference current, carrier-approved plan materials when discussing specific plan benefits or costs with consumers. Any commission or earnings examples are hypothetical illustrations and are not intended to represent typical, expected, or guaranteed results. No representation, promise, or guarantee of actual or future earnings is being made. Individual results will vary based on factors including carrier compensation arrangements, products sold, eligibility for compensation, sales activity, and individual business performance. Agents should consult current, carrier-approved compensation materials for specific commission rates and requirements.

Feeling frazzled now that the Medicare and ACA enrollment periods have aligned? You're not alone! Grab a cup of something caffeinated, take a break and listen to some strategies to keep calm during the busy enrollment season of AEP and OEP.   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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: ACA Agent Moratorium Lawsuits & Call Recording Best Practices + 2027 Medigap Deductibles Audio for Sleep 🥱 😴 💤 CMS Encourages Marketplace Carriers to Increase Agent Oversight and Implement Call Recording Escaping the Procrastination Station | Monday Motivation The Secret to Long-Term Success ft. Debbie Hoffman The 2027 COLA Increase & How it Affects Your Clients   References: "126 Sleep Statistics." Sleepfoundation.org, Sleep Doctor, 15 Jun. 2026, https://www.sleepfoundation.org/how-sleep-works/sleep-facts-statistics. Haupt, Angela. "A 5-Minute 'Movement Snack' Will Give You More Energy." Time.com, Time, 14 Jul. 2026, https://time.com/article/2026/07/14/how-often-should-you-get-up-from-your-desk-movement-snack/. Hartwell, Mira. "Apps Like Finch: 9 Alternatives by Exit Reason (2026)." Habitbox.app, Habit Box, 12 Oct. 2026, https://habitbox.app/blog/apps-like-finch. "Dunkin' Assembles with Marvel Studios' "Avbengers: Doomsday" for an Epic New Menu and Limited-Edition Collectibles." News.dunkindonuts.com, Dunkin, 6 Oct. 2026, https://news.dunkindonuts.com/news/dunkin-and-marvel-studios-avengers-doomsday-team-up-2026. "Dunkin' Unwraps the Holidays with the Debut of The Donutcracker and the Return of Cookie Butter and Toasted White Chocolate." News.dunkindonuts.com, Dunkin, 28 Oct. 2026, https://news.dunkindonuts.com/news/dunkin-holiday-menu-november-2026. "Dutch Bros Unwraps its Most Festive Holiday Lineup Yet." Dutchbros.com, Dutch Bros, 1 Nov. 2026, https://www.dutchbros.com/news-events/holiday-drinks-2026/. "Finch – Your new self-care best friend." finchcare.com, Finch, https://finchcare.com/, Accessed 2 Nov. 2026. "Get Sleepy - Stories that put you to sleep." Slumberstudios.com, Slumber Studios, https://slumberstudios.com/getsleepy/, Accessed 2 Nov. 2026. "Goodnight, World! A Podcast for Kids with Headspace." Cms.megaphone.fm, Mehaphone, https://cms.megaphone.fm/channel/ADL7382912950, Accessed 2 Nov. 2026. Leroux, Faith. "I ditched my calendar reminders for an app that makes me want to move; my Finch won't let me skip it." Androidpolice.com, Android Police, 22 Sep. 2026, https://www.androidpolice.com/ditched-calendar-reminders-for-an-app-finch-wont-let-me-skip-it/. "Nothing Much Happens – Welcome to the Village of Nothing Much." Nothingmuchhappens.com, Nothing Much Happens, https://www.nothingmuchhappens.com/, Accessed 2 Nov. 2026. "Pomodoro Tomato Timer." Pomofocus.io, Pomofocus, https://pomofocus.io/, Accessed 2 Nov. 2026. "Starbucks holiday menu is coming to town Nov. 5." About.starbucks.com, Starbucks, 5 Oct. 2026, https://about.starbucks.com/stories/2026/starbucks-holiday-menu-is-coming-to-town-nov-5/. Farokhmanesh, Megan. "This Extremely Cute Bean Wants to Help You Stop Doomscrolling." Wired.com, Wired. 22 Aug 2025, https://www.wired.com/story/this-extremely-cute-bean-wants-to-help-you-stop-doomscrolling/. Scroggs, Laura. "Time Blocking." Todoist.com, todoist, https://www.todoist.com/productivity-methods/time-blocking, Accessed 3 Nov. 2026. Martins, Julia. "Time blocking: Complete guide for focused work & rest." Asana.com, Asana, 23 Dec. 2025, https://asana.com/resources/what-is-time-blocking. Hsu, Hsing-ay." "Why It's So Hard to Take a Beak – Even When We Know We Should." Psychologytoday.com, Psychology Today, 30 Sep. 2025, https://www.psychologytoday.com/us/blog/the-flow-of-creativity/202509/why-its-so-hard-to-take-a-break-even-when-we-know-we-should.   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/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.

In this Content Corner episode, Jeff joins Sarah to talk about understanding senior health emergencies. Listen to learn more about the content available for agents to help educate clients and families.   Content Corner: Understanding Senior Health Emergencies   Resources: Best Practices for Using Ritter’s Content Library Can I Prevent Aneurysms or Ruptures? Content Corner: Fundamentals of Senior Finance Content Corner: Spooky Season and All Things Pumpkin Content Library Official Site How Can I Tell If I’m Having a Stroke? How to Spot Elder Abuse I Think I'm Having a Heart Attack! What Should I Do? Medicare Costs and Coverage for Medical Emergency Services Ready-Made Marketing for Insurance Agents: Inside the Content Library What Should I Know About Aneurysms?   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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.   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/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social    Opinions expressed by interview guests are their own and not representative of Ritter Insurance Marketing or Integrity. The Agent Survival Guide Podcast is not affiliated with or endorsed by Medicare or any government agency. The information provided in this podcast is for general educational and training purposes only and is not intended to constitute medical advice, diagnosis, treatment recommendations, or guidance for any individual’s specific health needs. Agents should not provide medical advice or interpret health information for consumers. Consumers should be encouraged to consult a qualified healthcare provider regarding medical questions, treatment options, medications, or other health-related decisions.

CMS recently released guidance on call recording best practices for agents writing ACA plans in states on the Federal Marketplace. Learn more about the potential changes and why we recommend implementing this recommendation sooner rather than later.   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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 💌 Send feedback, questions, and topic suggestions to [email protected].   Resources: Carrier Partners – Ritter Insurance Marketing Learn More About IntegrityCONNECT Reach out to our Under-65 Team at Ritter Insurance Marketing   References: "Best Practices for Issuers for Plan Year 2027 Agent and Broker Oversight." Cms.gov, Centers for Medicare & Medicaid Services, 19 Oct. 2026, https://www.cms.gov/files/document/py27-issuer-ab-oversight-guidance.pdf. "CMS issues new guidance on ACA insurers as open enrollment looms." Insurancenewsnet.com, Insurance News Net, 21 Oct. 2026, https://insurancenewsnet.com/innarticle/cms-issues-new-guidance-on-aca-insurers-as-open-enrollment-looms. "CMS Model Content Form for Marketplace Agents." Cms.gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/marketplace/agents-brokers/files/cms-model-consent-form-marketplace-agents-brokers.pdf, Accessed 27 Oct. 2026. "CMS urges marketplace insurers to have brokers record consumer calls." Beckerspayer.com, Becker's Payer Issues, 20 Oct. 2026, https://www.beckerspayer.com/payer/aca/cms-urges-marketplace-insurers-to-have-brokers-record-consumer-calls/. Stover, Danica. “PY27 Issuer AB Oversight Guidance Final: Danica Stover.” LinkedIn, 26 Oct. 2026, https://lnkd.in/p/eegtPAA9.   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/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social  Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for October 30, 2026: CMS ACA New Agent Moratorium Update CMS Recommendation on ACA Call Recording for PY 2027 CMS Exchange Pre-Eligibility Verification Proposed Rule CMS 2027 Med Supp Plans F, G, & J Deductibles CMS 2027 Med Supp Plans K & L Out-of-Pocket Limits   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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 💌 Send feedback, questions, and topic suggestions to [email protected].   Resources: 2028 MA Proposed Rule, ACA Agent Moratorium Lawsuit & Epic’s Rx Marketplace Content Corner: Spooky Season and All Things Pumpkin How a CHOICE Partnership Can Support ACA Sales Integrity Launches ACA EDE in IntegrityCONNECT The 2027 COLA Increase & How it Affects Your Clients The Secret to Long-Term Success ft. Debbie Hoffman   CMS ACA New Agent Moratorium Update: "CMS Hit With Another Broker Suit Over ACA Registration Bar." Hafamerica.org, Health Agents for America, 22 Oct. 2026, https://www.hafamerica.org/wp-content/uploads/2026/10/Law360-10-22-2026.pdf. CMS Temporarily Pauses New Marketplace Agent Registrations for 2027 "HAFA filing suit over ACA agent moratorium." Insurancenewsnet.com, Insurance News Net, 21 Oct. 2026, https://insurancenewsnet.com/innarticle/hafa-filing-suit-over-aca-agent-moratorium. "HAFA Official Site." Hafamerica.org, Health Agents for America, https://www.hafamerica.org/, Accessed 27 Oct. 2026. "Patient Protection and Affordable Care Act; Temporary Moratoria on Certain Agent and Broker Registration To Participate in the Exchanges." Federalregister.gov, Federal Register, 23 Sep. 2026, https://www.federalregister.gov/documents/2026/09/23/2026-19493/patient-protection-and-affordable-care-act-temporary-moratoria-on-certain-agent-and-broker. "Trump administration sued for second time over ACA broker freeze." Healthcaredive.com, Healthcare Dive, 23 Oct. 2026, https://www.healthcaredive.com/news/aca-broker-agent-freeze-lawsuit-hafa-hhs-cms/833828/. Under-65 Team at Ritter Insurance Marketing   CMS Recommendation on ACA Call Recording for PY 2027: "Best Practices for Issuers for Plan Year 2027 Agent and Broker Oversight." Cms.gov, Centers for Medicare & Medicaid Services, 19 Oct. 2026, https://www.cms.gov/files/document/py27-issuer-ab-oversight-guidance.pdf. "CMS issues new guidance on ACA insurers as open enrollment looms." Insurancenewsnet.com, Insurance News Net, 21 Oct. 2026, https://insurancenewsnet.com/innarticle/cms-issues-new-guidance-on-aca-insurers-as-open-enrollment-looms. "CMS urges marketplace insurers to have brokers record consumer calls." Beckerspayer.com, Becker's Payer Issues, 20 Oct. 2026, https://www.beckerspayer.com/payer/aca/cms-urges-marketplace-insurers-to-have-brokers-record-consumer-calls/. Stover, Danica. “PY27 Issuer AB Oversight Guidance Final: Danica Stover.” LinkedIn, 26 Oct. 2026, https://lnkd.in/p/eegtPAA9.   CMS Exchange Pre-Eligibility Verification Proposed Rule: "CMS Proposes New Verification Requirements to Implement Law that Combats Exchange Fraud and Protects Taxpayer Dollars." cms.gov, Centers for Medicare & Medicaid Services, 23 Oct. 2026,  https://www.cms.gov/newsroom/press-releases/cms-proposes-new-verification-requirements-implement-law-combats-exchange-fraud-protects-taxpayer. "Exchange Pre-Eligibility Verification Proposed Rule (CMS 9873-P)." cms.gov, Centers for Medicare & Medicaid Services, 23 Oct. 2026, https://www.cms.gov/newsroom/fact-sheets/exchange-pre-eligibility-verification-proposed-rule-cms-9873-p. "Patient Protection and Affordable Care Act, Exchange Pre-Eligibility Verification." Federalregister.gov, Federal Register, 27 Oct. 2026, https://www.federalregister.gov/documents/2026/10/27/2026-21891/patient-protection-and-affordable-care-act-exchange-pre-eligibility-verification. "Submit A Public Comment on Patient Protection and Affordable Care Act, Exchange Pre-Eligibility Verification." Federalregister.gov, Federal Register, 27 Oct. 2026, https://www.federalregister.gov/documents/2026/10/27/2026-21891/patient-protection-and-affordable-care-act-exchange-pre-eligibility-verification.   CMS 2027 Med Supp Plans F, G, & J Deductibles: "F, G & J Deductible Announcements." Cms.gov, Centers for Medicare & Medicaid Services, October 2026, https://www.cms.gov/medicare/health-drug-plans/medigap/f-g-j-deductible-announcements.   CMS 2027 Med Supp Plans K & L Out-of-Pocket Limits: "K & L Out-of-Pocket Limits Announcements." Cms.gov, Centers for Medicare & Medicaid Services, October 2026, https://www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements.   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/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.