October brings change—and not just in the weather! 🍂

October is here—and just like the leaves are changing, so are your health insurance options! This time of year is one of the most important for Medicare and Marketplace clients.

🎃 Medicare Clients: Annual Enrollment is Here!
From October 15 – December 7, Medicare’s Annual Enrollment Period (AEP) is your chance to:

Review your current plan and see if it still meets your needs.
Check for new benefits such as healthy food cards, dental, vision, hearing, or transportation coverage.
Lower your prescription costs and co-pays if better options are available.

Even if you’re happy with your plan, it’s worth a quick review. Plans can change each year—and sometimes a better fit is waiting for you.

🍁 Under-65 Health Insurance Clients: Marketplace Updates

Starting November 1, the Health Insurance Marketplace opens for 2026 coverage. If you or someone in your family needs insurance under age 65, October is the perfect time to get prepared. New subsidies may help lower your monthly premiums, and there are special programs available for families, small business owners, and those with chronic conditions.

👩‍⚕️ Why Call Me?

As your local, licensed advisor, I:

Work for you—not the insurance companies.
Offer free consultations (no hidden fees).
Specialize in finding programs that save you money on premiums, medications, and even healthy food benefits.
Make the process easy—whether in person, over the phone, or virtually.

☎️ Don’t Wait—Spots Fill Up Fast!

Appointments for October and November are already booking quickly. Call me today to schedule your free review so you don’t miss out on the best options for 2026.

Learn more about 2026 Medicare changes in my new guide>>

Medicare Earthquake of 2026

Ready to navigate the Medicare changes of 2026 with confidence? I am here to help you understand your options and make the best decisions for your unique situation. Contact me today for a free consultation and personalized Medicare analysis.

Brenda Gilliam,Your Insurance Agent, Medicare Insurance Agent & Extra Help Coordinator

Phone: 423-276-5807

Email: brenda@ormf4617e6-staging.wpdns.site
Related Reading>>Learn the Benefits of Working with a local Insurance Agent

*Not affiliated with any government agency.

*We do not offer every plan available in your area. Currently, we represent 13 organizations, which offer 131 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.