Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

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.

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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.

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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

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💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com.

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.

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Not affiliated with or endorsed by Medicare or any government agency.

With the passing of President Trump’s One Big Beautiful Bill, your clients may have questions about how health savings accounts may play into their healthcare costs. In this episode, we’ll be giving you the breakdown of everything you need to know.

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Resources:

Affinity Partnerships for Insurance Agents

IntegrityCONNECT

The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships

The Ritter Platform

References:

Medicare Made Clear. (n.d.). Health savings accounts and Medicare. UnitedHealthcare. https://www.uhc.com/news-articles/medicare-articles/hsas-and-medicare

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Not affiliated with or endorsed by Medicare or any government agency.

With 2027 right around the corner, the SSA has released their new numbers on what to expect for the cost-of-living adjustment and Social Security benefit checks. Here’s what your clients can expect for 2027! Read the text version Get Connected:

🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!

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📢 Submit a shoutout to be read in a future episode

🎙️ Be a Guest on the ASG Podcast

💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

$90 Rebate for Qualifying Medicare Beneficiaries

Can Insurance Agents Charge Consulting Fees for Medicare Sales or Services?

Q4 Medicare Sales Planner

References:

Social Security Administration. (2025, October 24). Cost-of-living adjustment (cola) information. Social Security. https://www.ssa.gov/news/en/cola/index.html

Social Security Administration. (2026, October 14). Social Security announces 3.6 percent benefit increase for 2027. Social Security. https://www.ssa.gov/news/en/press/releases/2026-10-14.html

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Not affiliated with or endorsed by Medicare or any government agency.

Debbie Hoffman joins Sarah to talk about her journey as an independent insurance agent. Listen to learn about Debbie’s approach to building her agency and how she defines success.

Find Debbie Hoffman Online:

HIR Insurance Agency

LinkedIn

Resources:

ACA in 2027: CMS Changes, Fraud Prevention & Identity Proofing ft. Arthur Barlow

How to Stay Top of Mind & Build Trust That Drives Growth ft. Bjorn Piltingsrud and Andrew Saksa

Turning Life Changes into Sales Opportunities

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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.

The Friday Five for October 23, 2026:

• Medicare Advantage Stakeholders Survey Results
• Epic Announces New Prescription Marketplace
• CMS Removes Duplicate Enrollments from ACA Rolls
• NABIP Files Lawsuit Over Moratorium on New ACA Agents
• CMS Medicare Advantage Proposed Rule

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

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💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com.

Medicare Advantage Stakeholders Survey Results:

“Charting A Path Forward For Medicare Advantage: Expert Consensus On Policy Priorities And Trade-Offs.” Healthaffairs.org, Health Affairs, 5 Oct. 2026, https://www.healthaffairs.org/doi/10.1377/hlthaff.2025.01724.

“Little room for stakeholder onsensus among potential Medicare Advantage reforms.” Fiercehealthcare.com, Fierce Healthcare, 8 Oct. 2026, https://www.fiercehealthcare.com/regulatory/look-stakeholder-perspectives-medicare-advantage-reform.

Epic Announces Prescription Marketplace:

“Epic teams up with Amazon Pharmacy, LillyDirect and Mark Cuban to launch prescription drug pricing tool.” Fiercehealthcare.com, Fierce Healthcare, 15 Oct. 2026, https://www.fiercehealthcare.com/health-tech/epic-teams-amazon-pharmacy-mark-cuban-launch-prescription-drug-pricing-tool.

“Prescription Marketplace Will Let Patients Compare Pharmacy Cash Prices Before Leaving the Doctor’s Office.” Epic.com, Epic, 15 Oct. 2026, https://www.epic.com/epic/post/prescription-marketplace-will-let-patients-compare-pharmacy-cash-prices-before-leaving-the-doctors-office/.

“New Regulations Make It Easier to Find, Compare, and Report Healthcare Pricing and Coverage Information.” 5 Oct. 2026, https://www.cms.gov/newsroom/press-releases/new-regulations-make-it-easier-find-compare-report-healthcare-pricing-coverage-information.

“Transparency in Coverage Final Rules (CMS 9882-F).” cms.gov, Centers for Medicare & Medicaid Services, 5 Oct. 2026, https://www.cms.gov/newsroom/fact-sheets/transparency-coverage-final-rules-cms-9882-f.

CMS Removes Duplicate Enrollments from ACA Rolls:

“CMS takes aim at duplicative ACA, Medicaid enrollments.” Fiercehealthcare.com, Fierce Healthcare, 14 Oct. 2026, https://www.fiercehealthcare.com/regulatory/cms-takes-aim-duplicative-aca-medicaid-enrollments.

“Trump Administration Delivers Second Year of Savings by Stopping Taxpayer Payments for Duplicate and Deceased Enrollees in Obamacare.” Cms.gov, Centers for Medicare & Medicaid Services, 14 Oct. 2026, https://www.cms.gov/newsroom/press-releases/trump-administration-delivers-second-year-savings-stopping-taxpayer-payments-duplicate-deceased.

“US cuts Obamacare subsidies for 189,000 with duplicate coverage.” Reuters.com, Reuters, 14 Oct. 2026, https://www.reuters.com/business/healthcare-pharmaceuticals/us-government-cuts-subsidies-189000-obamacare-enrollees-2026-10-14/.

NABIP Files Lawsuit Over Moratorium on New ACA Agents:

“Agent, broker group sues CMS to block ACA registration freeze.” Beckerspayer.com, Becker’s Payer, 16 Oct. 2026, https://www.beckerspayer.com/legal/agent-broker-group-sues-cms-to-block-aca-registration-freeze/.

“CMS Cracks Down on Fraud, Waste, and Abuse in the Federal Health Insurance Marketplace.” Cms.gov, Centers for Medicare & Medicaid Services, 22 Sep. 2026, https://www.cms.gov/newsroom/press-releases/cms-cracks-down-fraud-waste-abuse-federal-health-insurance-marketplacer.

“NABIP Seeks Injunctive Relief Against HHS and CMS Over Marketplace Moratorium Affecting Nearly 19,000 Agents and Brokers.” Nabip.org, National Association of Benefits and Insurance Professionals, 15 Oct. 2026, https://nabip.org/media/11423/cms-lawsuit_press-release_final_261015.pdf.

“NABIP sues CMS over moratorium on new ACA broker registrations.” Fiercehealthcare.com, Fierce Healthcare, 15 Oct. 2026, https://www.fiercehealthcare.com/payers/nabip-sues-cms-over-moratorium-new-aca-broker-registrations.

CMS Medicare Advantage Proposed Rule:

“CMS Proposes Reforms to Strengthen Transparency and Affordability in Medicare Advantage and Part D.” cms.gov, Centers for Medicare & Medicaid Services, 16 Oct. 2026, https://www.cms.gov/newsroom/press-releases/cms-proposes-reforms-strengthen-transparency-affordability-medicare-advantage-part-d.

“Fact Sheet: Medicare Program; Implementation of Sections 6219, 6220, and 6224 of the Consolidated Appropriations Act, 2026 (CMS-4214-P).” cms.gov, Centers for Medicare & Medicaid Services, 16 Oct. 2026, https://www.cms.gov/newsroom/fact-sheets/medicare-program-implementation-sections-6219-6220-6224-consolidated-appropriations-act-2026-cms.

“Medicare Program; Implementation of Sections 6219, 6220, and 6224 of the Consolidated Appropriations Act, 2026.” Federalregister.gov, Federal Register, 20 Oct. 2026, https://public-inspection.federalregister.gov/2026-21420.pdf.

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Not affiliated with or endorsed by Medicare or any government agency.

Learn more about Custom Health Option and Individual Care Expense (CHOICE) Arrangements. These healthcare options (formerly known as Individual Coverage Health Reimbursement Arrangements or ICHRA) can be offered by agents and are increasing in popularity.

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💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com.

Resources:

Getting Started Selling Group Ancillary Benefits ft. Max Ravenelle

Insurance Agents Can Generate More Leads

References:

“CHOICE Arrangements: A Guide for Employers.” Cms.gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/marketplace/employer-initiatives, Accessed 6 Oct. 2026.

“Growth Trends for ICHRA & QSEHRA Volume Five: 2025-2026.” Hracouncil.org, HRA Council, https://www.hracouncil.org/resources/Documents/2026%20HRA%20Council%20Data%20Report%20-%20PDF%20Version.pdf, Accessed 6 Oct. 2026.

“Health Insurance Marketplace Calculator.” Kff.org, KFF, https://www.kff.org/interactive/subsidy-calculator/, Accessed 6 Oct. 2026.

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Not affiliated with or endorsed by Medicare or any government agency.

Nothing hits (or hurts!) quite like a lost sale. While it’s easy to focus on the loss, we choose to focus on solutions. Find out how you can too, and make lost opportunities few and far between.

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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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

3 Additional Effective Techniques for Closing Insurance Sales

4 Effective Techniques for Closing Insurance Sales

Developing an Agency – Your Guide to Getting Started

Diversify Your Insurance Portfolio & Reap Real Rewards

PlanEnroll

Request a Portfolio Review

The Ritter Platform

The Ultimate Agent Resource List Pt. 3: Staying Organized

Why Hiring an Assistant Can Transform Your Insurance Business

References:

“5 qualities effective sales leaders need to have + how to cultivate them for yourself” blog.hubspot.com, Hubspot, 3 Nov. 2025, https://blog.hubspot.com/sales/habits-to-become-a-more-effective-salesperson.

“7 Active Listening Techniques for Better Communication.” Verywellmind.com, verywellmind, 14 Apr. 2026, https://www.verywellmind.com/what-is-active-listening-3024343.

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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.

As an insurance agent, remaining compliant is a top priority in order to prove that you’re trustworthy to your clients. Today, we’re going to be teaching you what to look out for to make sure you avoid agent negligence.

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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!

💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

Do's and Don'ts of Medicare Compliance

Getting Started Selling Medicare Supplements

The Complete Guide to Client Loyalty and Retention

Why Trust Is an Insurance Agent's Most Important Non-Renewable Resource

References:

Insurance agent & broker negligence. Gump, Faiella & Bugalski. (2024, September 20). https://www.centralmolaw.com/services/other-practice-areas/insurance-agent-broker-negligence/.

McDuffy, T. (2025, October 20). Negligence and the “reasonable person” . FindLaw. https://www.findlaw.com/injury/accident-injury-law/standards-of-care-and-the-reasonable-person.html.

National Archives and Records Administration. (n.d.-a). Subpart V—Medicare Advantage Communication Requirements. Code of Federal Regulations. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V.

National Archives and Records Administration. (n.d.-b). Subpart V—Part D Communication Requirements. Code of Federal Regulations. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V.

Understanding insurance broker negligence. Rah Law. (2023, December 14). https://www.rah.law/understanding-insurance-broker-negligence/.

What is insurance law?. Super Lawyers. (2025, October 8). https://www.superlawyers.com/resources/insurance-coverage/.

When do an insurance agent’s actions constitute negligence? Glickman & Glickman. (2025, September 29). https://www.glickman-law.com/blog/2025/09/when-do-an-insurance-agents-actions-constitute-negligence/.

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Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for October 16, 2026:

• Apple “Welcome Home” Event & Rumors
• CMS 2027 Medicare Advantage and Part D Star Ratings
• 2027 Social Security Cost-of-Living Adjustment (COLA)
• Integrity Launches Ask Integrity Sales Coach
• Integrity Announces ACA EDE in IntegrityCONNECT Platform

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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Apple “Welcome Home” Event & Rumors:

“Apple Set to Debut Touch-Screen MacBook and New iPad Mini in Late October.” Bloomberg.com, Bloomberg, 8 Oct. 2026, https://www.bloomberg.com/news/articles/2026-10-08/apple-set-to-debut-touch-screen-macbook-and-new-ipad-mini-in-late-october.

“Apple to Launch Touchscreen OLED MacBook Pro and OLED iPad mini on October 27.” Macrumors.com, MacRumors, 8 Oct. 2026, https://www.macrumors.com/2026/10/08/apple-october-27-macbook-pro/.

“Apple will reportedly debut its first touchscreen MacBook in three weeks.” Theverge.com, The Verge, 8 Oct. 2026, https://www.theverge.com/tech/1008422/apple-macbook-pro-touchscreen-ipad-mini-rumor.

“Everything Apple launched at its ‘Welcome Home’ event.” Theverge.com, The Verge, 13 Oct. 2026, https://www.theverge.com/tech/1009816/apple-smart-home-event-homeview-homepod-mini-roundup.

“Meet Apple HomeView, a new way to enjoy entertainment, stay connected, and manage the home.” Apple.com, Apple, 13 Oct. 2026, https://www.apple.com/newsroom/2026/10/meet-apple-homeview-a-new-way-to-enjoy-entertainment-and-manage-the-home/.

CMS 2027 MA and Part D Star Ratings:

“2027 Medicare Advantage and Part D Star Ratings.” Cms.gov, Centers for Medicare & Medicaid Services, 8 Oct. 2026, https://www.cms.gov/newsroom/fact-sheets/2027-medicare-advantage-part-d-star-ratings.

“CMS: About 71% of MAPD plan enrollees in coverage with four or more stars for 2027.” Fiercehealthcare.com, Fierce Healthcare, 8 Oct. 2026, https://www.fiercehealthcare.com/payers/cms-about-71-mapd-plan-enrollees-coverage-four-or-more-stars-2027.

“CMS Part C and D Performance Data.” Cms.gov, Centers for Medicare & Medicaid Services, 8 Oct. 2026, https://www.cms.gov/medicare/health-drug-plans/part-c-d-performance-data.

“Low-Performing Icon Definition.” Ecfr.Gov, Centers for Medicare & Medicaid Services, http://www.ecfr.gov/current/title-42/part-422/section-422.166#p-422.166(h)(1)(ii)(A). Accessed 12 Oct. 2026.

2027 Social Security Cost-of-Living Adjustment (COLA):

“Consumer Price Index (CPI) Summary” bls.gov, U.S. Bureau of Labor Statistics, 14 Oct. 2026, https://www.bls.gov/news.release/cpi.nr0.htm.

“Cost-of-Living Adjustment (COLA).” Ssa.gov, Social Security Administration, https://www.ssa.gov/oact/cola/colasummary.html, Accessed 13 Oct. 2026.

“Social Security Cost-Of-Living Adjustment For 2027 Arrives Wednesday—Here’s What To Know.” Forbes.com, Forbes, 12 Oct. 2026, https://www.forbes.com/sites/fionariley/2026/10/12/social-security-cost-of-living-adjustment-for-2027-arrives-wednesday-heres-what-to-know/.

“Social Security Announces 3.6 Percent Benefit Increase for 2027.” Ssa.gov, Social Security Administration, 14 Oct. 2026, https://www.ssa.gov/news/en/press/releases/2026-10-14.html.

Integrity Launches Ask Integrity Sales Coach:

Ask Integrity Sales Coach

Health÷ NEW! AI Sales Coach

Life÷ NEW! AI Sales Coach in IntegrityCONNECT

Integrity Announces Affordable Care Act (ACA) Enhanced Direct Enrollment (EDE) in IntegrityCONNECT:

“Integrity Announces ACA in IntegrityCONNECT Platform, Transforming Agents' AI-Empowering Sales Offering.” Prnewswire.com, PR Newswire, 7 Oct. 2026, https://www.prnewswire.com/news-releases/integrity-announces-aca-in-integrityconnect-platform-transforming-agents-ai-empowering-sales-offering-302900686.html.

Integrity Events & Webinars On Demand

Webinar: Health | ACA Success Starts Here: Quote, Compare, Enroll

Webinar: Health | How to Manage the New ACA Requirements in IntegrityCONNECT

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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.

Are you trying to plan a Medicare educational event, but you want to make sure you stay compliant? From agent do’s and don’ts to how to set up your educational event, we teach you how to do just that!

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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!

💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

Do's and Don'ts of Medicare Compliance

FAQs & Guidelines on Compliant Medicare Marketing Materials

How to Organize a Turning 65 Seminar on a Budget

How to Stay Compliant During All Medicare Sales

Rules for Hosting a Compliant Medicare Sales Event

What Not to Say During Medicare Educational and Sales Events

References:

Centers for Medicare & Medicaid Services. (2024, September 10). Medicare Marketing Guidelines. CMS.gov. https://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines

National Archives and Records Administration. (n.d.). Federal register. Federal Register . https://www.federalregister.gov/

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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.

Sales events are a great way to generate Medicare leads. Learn best practices and how to stay CMS compliant while hosting a Medicare sales event in this episode!

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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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

CMS Improves Plan Transparency and Choice with 2027 MA and Part D Final Rule

How to Host a Successful Medicare Sales Event

How to Stay Compliant During All Medicare Sales

Carrier Pages on Ritter Docs

Rules for Hosting a Compliant Medicare Educational Event

What Not to Say During Medicare Educational and Sales Events

References:

“Medicare Advantage Communication Requirements.” Federal Register, Centers for Medicare & Medicaid Services, http://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 26 Aug. 2026.

“Medicare Part D Communication Requirements.” Federal Register, Centers for Medicare & Medicaid Services, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 26 Aug. 2026.

“Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, http://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 26 Aug. 2026.

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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.

When stepping into the ACA marketplace, you’ll obviously have a plethora of different plans to offer to your clients. What if we told you there was an easy way to break down the different types of plans you could be selling in hopes of helping your clients better understand what they’re buying into? In this episode of the Agent Survival Guide Podcast, we’ll be guiding your next sale to a podium finish by breaking down the ACA metal tiers!

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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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

ACA 101: Selling Under-65 Health Insurance

ACA in 2027: CMS Changes, Fraud Prevention & Identity Proofing ft. Arthur Barlow

Understanding ACA Plan Metal Tiers

References:

Average monthly marketplace premiums by metal tier: KFF State Health Facts. KFF. (2025, November 3). https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D

Health Insurance Marketplace. (n.d.-a). Health plan categories: Bronze, Silver, Gold, & Platinum. HealthCare.gov. https://www.healthcare.gov/choose-a-plan/plans-categories/

Lewis, B. E. (2026, March 25). What are the four metal tiers of Affordable Care Act Health Plans?. GoodRx. https://www.goodrx.com/insurance/aca/aca-tiers-of-coverage

Quality ratings of health plans. HealthCare.gov. (n.d.-b). https://www.healthcare.gov/quality-ratings/

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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.

We all know that MA Plans are non-commissionable, but that doesn’t mean that you can’t be curious about making a sale. In this episode, we’ll be diving into payments and fees that can come with selling Medicare plans.

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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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

7 Actions You Can Take If Your Medicare Plans Go Non-Commissionable

8 Reasons Why Insurance Agents Should Sell ACA Plans

ACA 101: Selling Under-65 Health Insurance

A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products

How to Explain the Real Cost of a Funeral & Help Your Clients Plan for One

Selling Hospital Indemnity with Medicare Advantage: Is It Worth It?

References:

Alerion Advisors. (n.d.). Are brokers still in the crosshairs? policy and market updates for 2026. Rebellis Group. https://partners.rebellisgroup.com/download-webinar-are-brokers-still-in-the-crosshairs-policy-and-market-updates-for-2026

• (2008, September 18). Part D Communication Requirements. Federal Register. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V

National Archives and Records Administration. (2005, January 28). Medicare Advantage program. Federal Register. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422

Q2 impact report. NABIP. (n.d.). https://nabip.org/

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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.

Are you ready for go-time? In this episode of the Agent Survival Guide podcast, we're covering the 4th quarter and the essential details, dates, and what it means now that prep time is over.

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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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

8 Reasons Why Insurance Agents Should Sell ACA Plans

Busy ACA Agent’s Sales Calendar

Everything You Need to Know About the ACA OEP

Federal Judge Strikes Down ACA Marketplace Rule Provisions

Free Guides

Guiding Your Clients from the Marketplace to Medicare

References:

Norris, Louise. “What Are the Deadlines for the ACA’s Open Enrollment Period?” Healthinsurance.Org, 10 Aug. 2026, https://www.healthinsurance.org/faqs/what-are-the-deadlines-for-the-acas-open-enrollment-period/.

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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.

As we get older, we have more time to experience what life has to offer. However, with age also comes wear and tear on certain senses. In this episode, we’ll be teaching you how to identify clients who might need help taking care of these important factors of life.

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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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

Client Sync Consumer User Guide

Cross-Sell to Fill Coverage Gaps or Unmet Needs

IntegrityCONNECT

Why Trust Is an Insurance Agent's Most Important Non-Renewable Resource

References:

Centers for Disease Control and Prevention. (2024, May 15). Preventing oral diseases and conditions in communities. Centers for Disease Control and Prevention. https://www.cdc.gov/oral-health/prevention/?CDC_AAref_Val=https%3A%2F%2Fwww.cdc.gov%2Foralhealth%2Fbasics%2Fadult-oral-health%2Ftips.html

Cohen, R. A., & Bottoms-McClain, L. (2024, April 26). Dental Care Among Adults Age 65 and Older. Centers for Disease Control and Prevention. https://www.cdc.gov/nchs/products/databriefs/db500.htm

Hibbler, R. (2024, January 5). The importance of Eye Care and annual exams. Tapestry 360 Health. https://tap360health.org/the-importance-of-eye-care-and-annual-exams/

Persky, W. (2025, August 11). The problem with Medicare Advantage Plans. Microscopic New Live Site. https://www.microscopiccolitisfoundation.org/blog/the-problem-with-medicare-advantage-plans

U.S. Centers for Medicare and Medicaid Services. (n.d.). Dental services. Medicare.gov. https://www.medicare.gov/coverage/dental-services

Why dental care is important for your overall health. UI Health. (2024, January 3). https://hospital.uillinois.edu/mile-square-health-center/patient-resources/blog-and-news/dental-health-is-important

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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.

Jeff is back for another Content Corner episode with Sarah! Hear about the newest Content Library series and shareables for the month of October. No tricks – just spooky treats to delight your clients!

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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

4 Ways to Keep Trick-or-Treating Safe

5 Spooky Stories for Halloween

Best Practices for Using Ritter’s Content Library

Content Corner: Fundamentals of Senior Finance

Content Library: Cooking for Beginners ft. Jeff Snyder

Content Library Homepage

Fun Halloween Ways to Get Fit

Fun Tricks for Tasty Halloween Treats

Ready-Made Marketing for Insurance Agents: Inside the Content Library

The Content Library: Content Marketing for Insurance Agents

Trick-or-Treating Without Overeating

Why Do We Feel Fear?

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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 Friday Five for October 9, 2026:

• 6 Days Until AEP 2027!
• 2026 Kindle Lineup & Accessories
• Medicare Advantage Mapped
• KFF MA Plan Options for CY 2027
• $90 Rebate for Qualifying Medicare Beneficiaries

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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Ritter Resources

2026 Kindle Lineup & Accessories:

“Amazon introduces a completely redesigned Kindle family.” Aboutamazon.com, Amazon, https://www.aboutamazon.com/news/devices/new-kindle-lineup-2026, Accessed 6 Oct. 2026.

Medicare Advantage Mapped:

“Every Medicare Advantage plan, mapped for agents.” Windermerefinancial.com, Windermere Financial, https://windermerefinancial.com/medicare-plan-map, Accessed 6 Oct. 2026.

KFF MA Plan Options for CY 2027:

“The Average Medicare Beneficiary has 28 Medicare Advantage Prescription Drug Plan Options for 2027.” Kff.org, KFF, 1 Oct. 2026, https://www.kff.org/medicare/the-average-medicare-beneficiary-has-28-medicare-advantage-prescription-drug-plan-options-for-2027/.

$90 Rebate for Qualifying Medicare Beneficiaries:

“Fact Sheet: 2026 Medicare Costs.” Medicare.Gov, Centers for Medicare & Medicaid Services, Dec. 2025, http://www.medicare.gov/publications/11579-medicare-costs.pdf.

“Fact Sheet: President Donald J. Trump Announces Medicare Improvement Fund Payments for Seniors.” Whitehouse.gov, The White House, 2 Oct. 2026, https://www.whitehouse.gov/fact-sheets/2026/10/fact-sheet-president-donald-j-trump-announces-medicare-improvement-fund-payments-for-seniors/.

“Medicare Improvement Fund Premium Rebate Frequesntly Asked Questions.” Cms.gov, Centers for Medicare & Medicaid Services, 3 Oct. 2026, https://www.cms.gov/newsroom/fact-sheets/medicare-improvement-fund-premium-rebate-frequently-asked-questions.

“Medicare Monthly Enrollment.” Cms.gov, Centers for Medicare & Medicaid Services, 23 Sep. 2026, https://data.cms.gov/summary-statistics-on-beneficiary-enrollment/medicare-and-medicaid-reports/medicare-monthly-enrollment.

“More than 20 million Medicare beneficiaries may get one-time $90 payment – here’s who qualifies.” Cnbc.com, CNBC, 5 Oct. 2026, https://www.cnbc.com/2026/10/05/medicare-part-b-beneficiaries-90-payment.html.

“The Medicare and Medicaid Improvement Funds: Budgetary History and Projections.” Cbo.gov, Congressional Budget Office, https://www.cbo.gov/publication/59115#_idTextAnchor009, Accessed 7 Oct. 2026.

“Who Qualifies for the New $90 Medicare Part B Rebate?” Kiplinger.com, Kiplinger, 6 Oct. 2026, https://www.kiplinger.com/retirement/medicare/who-qualifies-for-the-new-medicare-part-b-rebate.

Resources:

5 Ways Insurance Agents Should Be Using Ask Integrity

2027 Medicare Advantage & Part D Premiums, Enrollment, and Plan Trends

ACA in 2027: CMS Changes, Fraud Prevention & Identity Proofing ft. Arthur Barlow

Beyond the Benefits: Navigating Coverage Gaps in 2027 ft. Jameson Keller

Getting Started Selling Group Ancillary Benefits ft. Max Ravenelle

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.

Ever wonder what it would take to branch out into group benefit sales? We did too, and Max Ravenelle, Director of Group Sales at Ritter Insurance Marketing was kind enough to answer the call and Sarah’s questions.

Contact Max Ravenelle by email at M.Ravenelle@ShieldsBrokerage.com or call 603-418-0805 to learn more!

Additional Episodes Like This One:

How to Stay Top of Mind & Build Trust That Drives Growth ft. Bjorn Piltingsrud and Andrew Saksa

Making Cross‑Selling Less Awkward for Insurance Agents ft. Demetri Simos and Dawn Myers

Turning Life Changes into Sales Opportunities ft. Bobby Nerem & Danica Stover

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 Friday Five for October 2, 2026: CMS announces enrollment projections for Medicare Advantage, Medicare Advantage and Medicare Part D costs, and the general market outlook insurance agents should know about in coverage year 2027. Listen for our takeaways and insight!

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 – our monthly newsletter – sent directly to your inbox!

💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Resources:

5 Ways Insurance Agents Should Be Using Ask Integrity

ACA in 2027: CMS Changes, Fraud Prevention & Identity Proofing ft. Arthur Barlow

Escaping the Procrastination Station | Monday Motivation

How to Stay Top of Mind & Build Trust That Drives Growth ft. Bjorn Piltingsrud and Andrew Saksa

Ritter Resources

The Part D Cliff & Costs for 2027

References:

“2026 MA and Part D Landscape State Fact Sheet.” CMS.Gov, http://www.cms.gov/files/document/2026-ma-part-d-landscape-state-state-fact-sheet.pdf. Accessed 29 Sep. 2026.

“CY2027 Landscape Data.” Cms.gov, Centers for Medicare & Medicaid Services, 28 Sep. 2026, https://www.cms.gov/medicare/coverage/prescription-drug-coverage.

“Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2026.” CMS.Gov, http://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2026. Accessed 29 Sep. 2026.

“Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2027.” Cms.gov, Centers for Medicare & Medicaid Services, 28 Sep. 2026, https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027.

“Medicare Advantage in 2026: Enrollment Update and Key Trends.” Kff.org, KFF, 5 Jun 2026, https://www.kff.org/medicare/medicare-advantage-in-2026-enrollment-update-and-key-trends/.

“Medicare Part D Enrollment, Premiums, and Cost Sharing in 2026.” Kff.org, KFF, 11 Jun 2026, https://www.kff.org/medicare/medicare-part-d-enrollment-premiums-and-cost-sharing-in-2026/.

“State by State 2027 Medicare Advantage and Part D Landscape Face Sheet.” Cms.gov, Centers for Medicare & Medicaid Services, 28 Sep. 2026, https://www.cms.gov/files/document/2027-medicare-advantage-part-d-landscape-state-state-fact-sheets.pdf.

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