● Last Major Update: June 18, 2026 | Verified for the 2026 Plan Year by NY Compliance Expert Quick Answer: Yes, Medicare Part B covers 100% of Medical Nutrition Therapy (MNT) if you have an explicit doctor’s referral and are diagnosed with Diabetes, Chronic Kidney Disease (Stages 3–5), or are within 36 months of a…
●Last Major Update: June 18, 2026 |Verified for the 2026 Plan Year Quick Answer: Many NY State of Health premiums increased in 2026 because enhanced federal premium subsidies expired, insurers received approved rate increases, benchmark Silver plan pricing changed, or household income and eligibility information changed. Reviewing your subsidy eligibility, Essential Plan status, and plan…
The Story Behind AIG In 2008 ● Last Major Historical & Compliance Update: June 18, 2026 | Verified for Financial Regulatory & NY DFS Compliance Benchmarks Quick Answer: In September 2008, AIG collapsed due to its London-based Financial Products division (AIGFP) selling billions in unhedged Credit Default Swaps (CDS) backed by subprime mortgages without adequate…
● Last Major Regulatory & Premium Update: June 18, 2026 | Verified for the 2026 Plan Year & NY DFS Compliance Benchmarks Quick Answer: In 2026, choosing between marketplace and private health insurance depends entirely on your household income and network needs. If your income is below 400% FPL ($60,240 for an individual), marketplace plans…
● Last Major Update: June 18, 2026 | Verified for the 2026 Plan Year & NY DBL/PFL Compliance Quick Answer: In 2026, getting short-term disability insurance depends on your filing pathway. If you are an employee in New York, you are automatically covered by the state’s mandatory **Disability Benefits Law (DBL)** for non-work-related claims. However,…
● Last Major Update: June 18, 2026 | Verified for the 2026 Plan Year & NY DFS Compliance Quick Answer: In 2026, most individual life insurance policies in New York include a strict two-year suicide exclusion period governed by NY Insurance Law § 3203. If a policyholder dies by suicide within 24 months of the…