The Local Insurance Insider

Before Your Marketplace Plan Auto-Renews: Why a 2027 Review Matters

Before Your Marketplace Plan Auto-Renews: Why a 2027 Review Mattersby: Nicole RedinbaughPublished on: 15/10/2026

Marketplace subsidies changed in 2026. Learn about income limits, APTC repayment rules, HSA eligibility for Bronze plans, and SEP verification.

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Before Your Marketplace Plan Auto-Renews: Why a 2027 Review Matters

Hiring Subcontractors? Run These 4 Insurance Checks First

Hiring Subcontractors? Run These 4 Insurance Checks Firstby: Nicole RedinbaughPublished on: 13/10/2026

Hiring subcontractors? Four insurance checks every contractor should run first: written agreements, current COIs, matching GL limits and additional insured status.

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Hiring Subcontractors? Run These 4 Insurance Checks First

Why a Certificate of Insurance Isn’t Always Enough

Why a Certificate of Insurance Isn’t Always Enoughby: Nicole RedinbaughPublished on: 18/02/2026

A Certificate of Insurance proves you have coverage, but it doesn’t extend protection. Learn why contracts often require Additional Insured status and specific endorsements.

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Why a Certificate of Insurance Isn’t Always Enough

Marketplace Subsidies in 2026: What’s Changed and What You Need to Know

Marketplace Subsidies in 2026: What’s Changed and What You Need to Knowby: Nicole RedinbaughPublished on: 05/01/2026

Marketplace subsidies changed in 2026. Learn about income limits, APTC repayment rules, HSA eligibility for Bronze plans, and SEP verification.

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Marketplace Subsidies in 2026: What’s Changed and What You Need to Know