Agent Survival Guide Podcast
Ritter
Episodes
Friday Sep 26, 2025
Friday Sep 26, 2025
The Friday Five for September 26, 2025:
AEP Countdown & Ritter Resources
New D-SNP Client Resources
Hacking Your Social Media Algorithm
iOS 26 Updates to Apple CarPlay
The Fight for ACA Enhanced Premium Tax Credits
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Ritter Resources:
Connect with Your Sales Rep
Download eBooks and Guides
Read the Ritter Blog
Register for Events and Webinars
Surviving AEP
New D-SNP Client Resources:
D-SNP Benefit Eligibility Client Letter
D-SNP Client Doctor, Provider, and Prescription Checklist
Hacking Your Social Media Algorithm:
“Hacking Your Social Media Feed to Enhance Mental Health.” Well Nourished Psych, Well Nourished Psych, wellnourishedpsych.com/hacking-your-social-media-feed-to-enhance-mental-health/. Accessed 25 Sept. 2025.
Poyourow, Joanne. “How to Create Your Own Good News Feed.” Change-Making News, Change-Making News, https://www.change-making.com/how-to-quit-doomscrolling/. Accessed 25 Sept. 2025.
“How To Cultivate A Feel-Good Social Media Feed.” Sweat.Com, Sweat, sweat.com/blogs/wellbeing/feel-good-social-media-feed. Accessed 25 Sept. 2025.
“How To Cultivate A Positive Social Media Experience.” Henryford.Com, Henry Ford Health, 28 Feb. 2025, www.henryford.com/blog/2025/02/how-to-cultivate-a-positive-social-media-experience.
“Tips for Using News and Social Media in a Healthy Way.” KaiserPermanente.Org, Kaiser Permanente, healthy.kaiserpermanente.org/health-wellness/health-encyclopedia/he.tips-for-using-news-and-social-media-in-a-healthy-way.acl3156. Accessed 25 Sept. 2025.
iOS 26 Updates to Apple CarPlay:
Swanner, Nate. “Apple CarPlay Users Are About To Notice Huge Changes.” Autoblog.Com, Auto Blog, https://www.autoblog.com/news/apple-carplay-users-are-about-to-notice-huge-changes. Accessed 25 Sept. 2025.
Poultney, Leon. “I’ve Tried CarPlay’s New iOS 26 Makeover – Here Are My 5 Favorite Upgrades.” TechRadar.Com, TechRadar, 16 Sept. 2025, www.techradar.com/vehicle-tech/hybrid-electric-vehicles/ive-tried-carplays-new-ios-26-makeover-here-are-my-5-favorite-upgrades.
Miller, Chance. “This IOS 26 Change Makes Carplay Even Better.” 9to5Mac.Com, 9to5Mac, 22 Sept. 2025, 9to5mac.com/2025/09/22/carplay-in-ios-26-smart-display-zoom/.
The Fight for ACA Enhanced Premium Tax Credits:
Muoio, Dave. “Delaying ACA Subsidy Legislation Past Sept. 30 Limits next Year’s Premium Reductions: CBO.” Fiercehealthcare.Com, Fierce Healthcare, 18 Sept. 2025, www.fiercehealthcare.com/payers/delaying-aca-subsidy-legislation-past-sept-30-limits-next-years-premium-reductions-cbo.
Sullivan, Peter. “GOP Considers Changing and Extending ACA Subsidies.” Axios.Com, Axios, 22 Sept. 2025, www.axios.com/2025/09/22/republicans-aca-tax-credit-changes.
“The Estimated Effects of Enacting Selected Health Coverage Policies on the Federal Budget and on the Number of People With Health Insurance.” Cbo.Gov, Congressional Budget Office, 18 Sept. 2025, www.cbo.gov/publication/61734.
What the Stay on 2025 ACA Final Rule Changes Means
Ortaliza, Jared, Anna Cord, et al. “Inflation Reduction Act Health Insurance Subsidies: What Is Their Impact and What Would Happen If They Expire?” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/affordable-care-act/inflation-reduction-act-health-insurance-subsidies-what-is-their-impact-and-what-would-happen-if-they-expire/.
More Episodes Like This One:
Announcing the Launch of IntegrityCONNECT
CMS & HHS Expand ACA Catastrophic Coverage Enrollment
Judge Grants Stay on Many 2025 ACA Final Rule Provisions
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Friday Sep 19, 2025
Friday Sep 19, 2025
The Friday Five for September 19, 2025:
Wrapping up the 2025 Ritter Summits
Compliant Compensation for Medicare Sales, Renewals, or Services
New Features for Spotify Free & Premium
Introvert, Extrovert, Ambivert… Otrovert?
Announcing the Launch of IntegrityCONNECT
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Ritter Resources:
Download eBooks and Guides
Read the Ritter Blog
Register for Events and Webinars
Compliant Compensation for Medicare Sales, Renewals, or Services:
“Burden of Proof.” Legal Information Institute, Cornell Law, www.law.cornell.edu/wex/burden_of_proof. Accessed 19 Sept. 2025.
Hurson, Brendan A. “City of Columbus Et Al. vs. Robert F. Kennedy, Jr. Et Al.” Democracyforward.Org, Democracy Forward, 22 Aug. 2025, democracyforward.org/wp-content/uploads/2025/08/35-City-of-Columbus-memorandum-opinion.pdf.
Federal Register, National Archives and Records Administration, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2274. Accessed 17 Sept. 2025.
Federal Register, National Archives and Records Administration, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V/section-423.2274. Accessed 17 Sept. 2025.
“Preponderance of the Evidence.” Legal Information Institute, Cornell Law, www.law.cornell.edu/wex/preponderance_of_the_evidence. Accessed 19 Sept. 2025.
New Features for Spotify Free & Premium:
“7 Ways Spotify’s New User Controls Put You in Charge of Your Listening.” For the Record, Spotify, 8 Sept. 2025, newsroom.spotify.com/2025-09-05/new-user-controls-personalize-listening/.
Shanklin, Will. “Free Spotify Users Can Finally Listen to Any Track Immediately.” Engadget.Com, Engadget, 15 Sept. 2025, www.engadget.com/entertainment/streaming/free-spotify-users-can-finally-listen-to-any-track-immediately-130013081.html.
“Lossless Listening Arrives on Spotify Premium With a Richer, More Detailed Listening Experience.” For the Record, Spotify, 10 Sept. 2025, newsroom.spotify.com/2025-09-10/lossless-listening-arrives-on-spotify-premium-with-a-richer-more-detailed-listening-experience/.
Connellan, Shannon. “Spotify’s Free Users Can Now Search and Play Songs with Ease.” Mashable.Com, Mashable, 16 Sept. 2025, mashable.com/article/spotify-free-search-play-songs.
“Spotify’s Free Experience Is Even Better—Here’s How to Make the Most of It.” For the Record, Spotify, 15 Sept. 2025, newsroom.spotify.com/2025-09-15/free-experience-updates-features-tips/.
Mehta, Ivan. “Spotify Is Finally Launching Support for Lossless Music Streaming.” TechCrunch.Com, TechCrunch, 10 Sept. 2025, techcrunch.com/2025/09/10/spotify-is-finally-launching-support-for-lossless-music-streaming/.
Rogers, Tammy. “Spotify Lossless Just Dropped — Here’s How It Compares to Apple Music, Tidal and Other High-Res Services.” Tomsguide.Com, Tom’s Guide, 15 Sept. 2025, www.tomsguide.com/entertainment/music-streaming/streaming-quality-everything-you-need-to-know-about-your-favorite-music-streamer.
Introvert, Extrovert, Ambivert… Otrovert?
“A Deeper Dive into Otrovert Traits.” Theothernessinstitute.Com, The Otherness Institute, www.othernessinstitute.com/in-other-words/a-deeper-dive-into-otrovert-traits/. Accessed 17 Sept. 2025.
Burke, Olivia. “Expert Explains New ‘Otrovert’ Personality Type and It’s Very Different to Introverts or Extroverts.” LADbible.Com, LADbible, 12 Sept. 2025, www.ladbible.com/community/personality-type-otrovert-explained-dr-rami-kaminski-378511-20250912.
Kaminski, Rami. “‘Otroverts’ and Why Nonconformists Often See What Others Can’t.” Bigthink.Com, Big Think, 2 July 2025, bigthink.com/big-think-books/otrovert/.
Mendoza, Luis Felipe. “The Otrovert, New Personality Type Identified by Psychiatrists.” Colombia One, colombiaone.com, 16 Sept. 2025, colombiaone.com/2025/09/16/otrovert-new-personality/.
Announcing the Launch of IntegrityCONNECT:
“Integrity Announces IntegrityCONNECT, an All-in-One Technology Growth Engine for Agents and Agencies.” Integrity.Com, Integrity, 17 Sept. 2025, integrity.com/announcingintegrityconnect/.
IntegrityCONNECT Agent Learning Center
List of IntegrityCONNECT Training Webinars
More Episodes Like This One:
5 Medicare Myths Your Clients May Believe
CMS & HHS Expand ACA Catastrophic Coverage Enrollment
Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder
How Insurance Agents Can Use AI Tools
Judge Grants Stay on Many 2025 ACA Final Rule Provisions
The Survivor’s AEP Checklist
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Monday Sep 15, 2025
Monday Sep 15, 2025
Discover Ritter Insurance Marketing's resource hub for surviving AEP 2026!
Make This Your Best AEP Yet!
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com 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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Friday Sep 12, 2025
Friday Sep 12, 2025
The Friday Five for September 12, 2025:
Ritter Summit Takeaways Part 2
Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026
2026 Medicare & You Handbook
Release Date for iOS, iPadOS, MacOS, and WatchOS 26
CMS & HHS Expand ACA Catastrophic Coverage Enrollment
Ritter Summit Takeaways Part 2:
Register for Ritter Insurance Marketing Summits
Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026:
Watch the Webinar
2026 Medicare & You Handbook:
Download Your Copy
Release Date for iOS, iPadOS, MacOS, and WatchOS 26:
Peters, Jay. “iOS 26 Is out on September 15th.” Theverge.Com, The Verge, 9 Sept. 2025, www.theverge.com/news/770784/apple-ios-26-release-date-liquid-glass.
McAuliffe, Zachary. “I Was Right Yet Again: iOS 26 Is Coming Monday, Sept. 15.” Cnet.Com, CNET, 9 Sept. 2025, www.cnet.com/tech/services-and-software/i-was-right-yet-again-ios-26-is-coming-monday-sept-15/.
Perry, Alex. “Apple iOS 26 Release Date: When You Can Download It.” Mashable.Com, Mashable, 9 Sept. 2025, mashable.com/article/apple-ios-26-release-date-how-to-download.
Diaz, Maria. “iOS 26 Update Is Coming Soon - How to Download It (and Which iPhones Support It).” Zdnet.Com, ZDNET, 10 Sept. 2025, www.zdnet.com/article/ios-26-update-is-coming-soon-how-to-download-it-and-which-iphones-support-it/.
Teague, Katie. “iOS 26: What to Know about the Free iPhone Software Update Arriving September 15.” Engadget.Com, Engadget, 11 Sept. 2025, www.engadget.com/mobile/ios-26-what-to-know-about-the-free-iphone-software-update-arriving-september-15-135749658.html.
CMS & HHS Expand ACA Catastrophic Coverage Enrollment:
August 22, 2025 Friday Five: Judge Vacates HHS MA Commissions Lawsuit
“By the Numbers: House Bill Takes Health Coverage Away From Millions of People and Raises Families’ Health Care Costs.” Cbpp.Org, Center on Budget and Policy Priorities, www.cbpp.org/research/health/by-the-numbers-house-bill-takes-health-coverage-away-from-millions-of-people-and. Accessed 11 Sept. 2025.
“CMS Broadens Access to Catastrophic Exchange Plans.” Modernhealthcare.Com, Modern Healthcare, 4 Sept. 2025, www.modernhealthcare.com/politics-regulation/mh-catastrophic-health-plans-open-enrollment-2026/.
“Entities Approved to Use Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, 9 Aug. 2024, www.cms.gov/files/document/ede-approved-partner.pdf.
Reed, Tina. “Exclusive: HHS to Expand Eligibility for Catastrophic Plans.” Axios.Com, Axios, 4 Sept. 2025, www.axios.com/2025/09/04/trump-hhs-expand-catastrophic-plan-eligibility.
“Expanding Access to Health Insurance: Consumers to Gain Access to ‘Catastrophic’ Health Insurance Plans in 2026 Plan Year.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/fact-sheets/expanding-access-health-insurance-consumers-gain-access-catastrophic-health-insurance-plans-2026.
“Guidance on Hardship Exemptions for Individuals Ineligible for Advance Payment of the Premium Tax Credit or Cost-Sharing Reductions Due to Income, and Streamlining Exemption Pathways to Coverage.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/files/document/guidance-hardship-exemptions.pdf.
“HHS Expands Access to Affordable Health Insurance.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/press-releases/hhs-expands-access-affordable-health-insurance.
“HHS Expands Access to Affordable Health Insurance.” HHS.Gov, U.S. Department of Health and Human Services, 4 Sept. 2025, www.hhs.gov/press-room/hhs-expands-access-affordable-catastrophic-health-coverage.html.
Ortaliza, Jared, Matt McGough, Kaitlyn Vu, et al. “How Much and Why ACA Marketplace Premiums Are Going up in 2026.” Healthsystemtracker.Org, KFF, 6 Aug. 2025, www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/.
Minemyer, Paige. “Trump Administration Expands Access to ACA Catastrophic Plans.” Fiercehealthcare.Com, Fierce Healthcare, 4 Sept. 2025, www.fiercehealthcare.com/regulatory/trump-administration-expands-access-aca-catastrophic-plans.
Resources:
2026 ACA & Medicare Cost Projections
3 Benefits of Selling ACA Insurance Plans
5 Medicare Myths Your Clients May Believe
2026 ACA Exchange & FFM Certification Info
Judge Grants Stay on Many 2025 ACA Final Rule Provisions
The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover
The Survivor’s AEP Checklist
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com 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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Tuesday Sep 09, 2025
Tuesday Sep 09, 2025
Discover the benefits to selling hospital indemnity plans!
Download Your FREE Copy – The Insurance Agent’s Guide to Understanding Hospital Indemnity Policies
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com 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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Friday Sep 05, 2025
Friday Sep 05, 2025
This week, we tackle 5 Medicare myths that your clients may believe. Learn how to respectfully refute these myths, educate your clients, and empower them to make informed choices.
The Content Library from Ritter Insurance Marketing
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Medicare Basics Resources on the Content Library*:
How and When Can I Change Medicare Insurance Plans?*
The Basics of Medicare Insurance*
What is Original Medicare? *
What is Medicare Part C (Advantage)? *
What is Medicare Part D? *
What are Medicare Supplements? *
Additional Podcast Episodes & Resources:
5 Types of Content to Share on Social Media
Apps for Content Creation
Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder
Introducing a Content Marketing Solution for Insurance Agents ft. Lisa Lynch and Jeff Snyder
Medicare Advantage Trial Rights Explained for Agents
What New Insurance Agents Need to Know
What to Know When Replacing Existing Med Supp Plans for Clients
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
*Requires RitterIM.com registration & login
Not affiliated with or endorsed by Medicare or any government agency.
Friday Aug 29, 2025
Friday Aug 29, 2025
The Friday Five for August 29, 2025:
Ritter Summits Takeaways & Shoutouts
What I’m Watching Right Now
Apple “Awe Dropping” Event Announced
Spotify Slips Into the DMs
Judge Grants Stay on Many 2025 ACA Final Rule Provisions
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Ritter Summits Takeaways & Shoutouts:
Register for Ritter Insurance Marketing Summits
What I’m Watching Right Now:
The Residence on Netflix
Apple “Awe Dropping” Event Announced:
Esposito, Filipe. “5 iPhone 17 Rumors Apple Basically Confirmed in Its ‘Awe Dropping’ Event Invite.” Macworld.Com, Macworld, 27 Aug. 2025, www.macworld.com/article/2889966/5-iphone-17-rumors-apple-just-confirmed-in-its-awe-dropping-event-invite.html.
Lord, Sarah. “Apple’s ‘Awe Dropping’ iPhone 17 Event: What to Expect and How to Watch.” PCMAG.Com, PCMAG, 27 Aug. 2025, www.pcmag.com/news/apple-awe-dropping-iphone-17-event-what-to-expect-how-to-watch.
Hall, Zac. “Apple Officially Announces iPhone 17 Event: ‘Awe Dropping.’” 9to5Mac.Com, 9to5Mac, 26 Aug. 2025, 9to5mac.com/2025/08/26/iphone-17-event-announcement-2/.
Carlson, Jeff. “Deciphering Apple’s ‘Awe Dropping’ iPhone 17 Event Invite.” CNET.Com, CNET, 27 Aug. 2025, www.cnet.com/tech/deciphering-apples-awe-dropping-iphone-17-event-invite/.
Hardwick, Tim. “What Not to Expect at Apple’s ‘Awe Dropping’ September 9 Event.” MacRumors.Com, MacRumors, 28 Aug. 2025, www.macrumors.com/2025/08/28/what-not-to-expect-apple-iphone-17-event/.
Spotify Slips Into the DMs:
“Introducing Messages, A New Way To Share What You Love on Spotify with Friends and Family.” Newsroom.Spotify.Com, Spotify, 26 Aug. 2025, newsroom.spotify.com/2025-08-26/introducing-messages-a-new-way-to-share-what-you-love-on-spotify-with-friends-and-family/.
Schneider, Marc. “Spotify’s DMS Are Open.” Billboard.Com, Billboard, 26 Aug. 2025, www.billboard.com/pro/spotify-messages-app-sharing-dms-feature/.
Weatherbed, Jess. “Spotify Is Adding DMS.” TheVerge.Com, The Verge, 26 Aug. 2025, https://www.theverge.com/news/765771/spotify-messages-dms-audio-sharing-feature.
Spangler, Todd. “Spotify Launches In-App Messaging, Hoping New DM Feature Will Boost Listening and ‘Drive Hype.’” Variety.Com, Variety, 26 Aug. 2025, variety.com/2025/digital/news/spotify-launches-in-app-messaging-1236497588/.
Judge Grants Stay on Many 2025 ACA Final Rule Provisions:
Hurson, Brendan A. “City of Columbus Et Al. vs. Robert F. Kennedy, Jr. Et Al.” Democracyforward.Org, Democracy Forward, 22 Aug. 2025, democracyforward.org/wp-content/uploads/2025/08/35-City-of-Columbus-memorandum-opinion.pdf.
Minemyer, Paige. “Courts Press Pause on Key Elements of Trump Administration’s ACA Rule.” Fiercehealthcare.Com, Fierce Healthcare, 25 Aug. 2025, www.fiercehealthcare.com/regulatory/courts-press-pause-key-elements-trump-administrations-aca-rule.
Bruner, Bethany. “Federal Judge Halts Implementation of Health Insurance Changes in Lawsuit Columbus Filed.” Dispatch.Com, The Columbus Dispatch, 25 Aug. 2025, www.dispatch.com/story/news/courts/2025/08/22/federal-judge-halts-trump-administration-health-insurance-rules-columbus-ohio-lawsuit-aca-obamacare/85782252007/.
“Healthcare.Gov’s Marketplace in Your State.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/marketplace-in-your-state/. Accessed 28 Aug. 2025.
Pifer, Rebecca. “Judge Stays Provisions of Trump Administration Rule Overhauling ACA.” Healthcare Dive, healthcaredive.com, 25 Aug. 2025, www.healthcaredive.com/news/trump-affordable-care-act-rule-stay-cms/758474/.
Clason, Lauren. “RFK Jr.’s Obamacare Changes Partially Paused by Federal Judge.” Bloomberglaw.Com, Bloomberg Law, 22 Aug. 2025, news.bloomberglaw.com/health-law-and-business/rfk-jr-s-obamacare-changes-partially-paused-by-federal-judge.
Oeschner, Troy, et al. “What’s at Stake in California v. Kennedy?” Rockinst.Org, Rockefeller Institute of Government, 22 Aug. 2025, www.rockinst.org/blog/whats-at-stake-in-california-v-kennedy/.
Resources:
3 Benefits of Selling ACA Insurance Plans
5 Things About ICHRA
2026 ACA & Medicare Cost Projections
ACA Enrollment Periods Explained
Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder
The ICHRA Opportunity for Agents ft. Lisa Marzolino & 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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Thursday Aug 28, 2025
Thursday Aug 28, 2025
We're back with another update on Ritter's Content Library - Mastering Medicare Insurance Coverage! This time, Sarah and Jeff chat about how this content can help agents educate clients about the ins and outs of their Medicare coverage.
📚Browse Ritter Insurance Marketing’s Content Library for Insurance Agents
🤝Register with Ritter Insurance Marketing
Resources:
5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd
5 Types of Content to Share on Social Media
Field Notes on Partner Marketing Resources
Field Notes on Digital Marketing Resources
Field Notes on Traditional Marketing Resources
How Relationship Marketing Can Make the Difference in Your Agency
Introducing a Content Marketing Solution for Insurance Agents
Learning to Delight in the Limelight ft. Linda Ugelow
Reach out to Ritter’s Compliance Team
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Friday Aug 22, 2025
Friday Aug 22, 2025
The Friday Five for August 22, 2025:
Field Notes on OBBBA, Spotify, and TikTok
D. Power Medicare Advantage Member Satisfaction Survey
Sonder Health Plans Inc. Termination
Short-Term Medical Plan Regulation Update
Judge Vacates HHS MA Commissions Lawsuit
Get Connected:
📞Contact Ritter’s Team in Georgia – Steve Telander, Jada Morthland, and Betsy Bond!
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Field Notes on OBBBA:
5 Things From the 2025 Budget Reconciliation Bill
The One Big Beautiful Bill: What Health Insurance Agents Should Know
Field Notes on Spotify:
“Mix Your Favorite Playlists Seamlessly by Adding Your Own Transitions.” Newsroom.Spotify.Com, Spotify, 19 Aug. 2025, newsroom.spotify.com/2025-08-19/mix-your-favorite-playlists-seamlessly-by-adding-your-own-transitions/.
Romero, Andrew. “Spotify Is Doubling down on Track Transitions with New Custom Options.” 9to5google.Com, 9to5google, 19 Aug. 2025, 9to5google.com/2025/08/19/spotify-custom-playlist-transitions/.
Perez, Sarah. “Spotify’s Latest Feature Lets You Add Your Own Transitions to Playlists.” TechCrunch.Com, TechCrunch, 19 Aug. 2025, techcrunch.com/2025/08/19/spotifys-latest-feature-lets-you-add-your-own-transitions-to-playlists/.
Weatherbed, Jess. “Spotify’s New Track Mixing Tool Adds DJ Features to Your Playlists.” Theverge.Com, The Verge, 19 Aug. 2025, www.theverge.com/news/761290/spotify-playlist-mix-audio-transition-feature.
Mauran, Cecily. “Spotify Now Allows Custom Transitions in Playlists.” Mashable.Com, Mashable, 19 Aug. 2025, mashable.com/article/spotify-custom-transitions-in-playlists.
Field Notes on TikTok:
West, Chloe. “TikTok Hashtags: How to Use the Best Hashtags for More Views in 2025.” Sproutsocial.Com, Sprout Social, 14 Aug. 2025, sproutsocial.com/insights/tiktok-hashtags/.
Hutchinson, Andrew. “TikTok Implements Hashtag Limit.” Socialmediatoday.Com, Social Media Today, 17 Aug. 2025, www.socialmediatoday.com/news/tiktok-implements-five-hashtag-limit-per-post/757857/.
Adegbola, Anu. “TikTok Limits Posts to Five Hashtags.” Searchengineland.Com, Search Engine Land, 18 Aug. 2025, searchengineland.com/tiktok-limits-hashtags-460894.
J.D. Power Medicare Advantage Member Satisfaction Survey:
“2025 U.S. Medicare Advantage Study.” Jdpower.Com, J.D. Power, 19 Aug. 2025, www.jdpower.com/business/press-releases/2025-us-medicare-advantage-study.
“J.D. Power: Medicare Advantage Headwinds Impacting Member Satisfaction.” Fiercehealthcare.Com, Fierce Healthcare, 19 Aug. 2025, www.fiercehealthcare.com/payers/jd-power-medicare-advantage-headwinds-impacting-member-satisfaction.
Payerchin, Richard. “Medicare Advantage Policy Changes Fuel Confusion, Skepticism among Beneficiaries.” Edited by Todd Shryock, MedicalEconomics.Com, MedicalEconomics, 19 Aug. 2025, www.medicaleconomics.com/view/medicare-advantage-policy-changes-fuel-confusion-skepticism-among-beneficiaries.
Sonder Health Plans Inc. Termination:
Contact Ritter’s Team in Georgia – Steve Telander, Jada Morthland, and Betsy Bond!
“Important Announcement Regarding Sonder Health Plans, Inc.” Oci.Eorgia.Gov, Georgie Office of Commissioner of Insurance and Fire Safety, oci.georgia.gov/press-releases/2025-08-15/important-announcement-regarding-sonder-health-plans-inc. Accessed 20 Aug. 2025.
“Sonder Health Plans, Inc. - In Receivership.” Sonderhealthplans-Inreceivership.Com, Sonder Health Plans, sonderhealthplans-inreceivership.com/. Accessed 20 Aug. 2025.
Short-Term Medical Plan Regulation Update:
“Federal Agencies Signal a Shift in Enforcement of Short-Term Health Insurance Rules.” Aha.Org, American Hospital Association, 8 Aug. 2025, www.aha.org/news/headline/2025-08-08-federal-agencies-signal-shift-enforcement-short-term-health-insurance-rules.
“Short-Term Health Insurance Availability and Limits by State.” Healthinsurance.Org, healthinsurance.org, 15 Aug. 2025, www.healthinsurance.org/short-term-health-insurance/.
“Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage.” Federalregister.Gov, Federal Register, 3 Apr. 2024, www.federalregister.gov/documents/2024/04/03/2024-06551/short-term-limited-duration-insurance-and-independent-noncoordinated-excepted-benefits-coverage.
“Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury Regarding Short-Term, Limited-Duration Insurance.” CMS.Gov, Centers for Medicare and Medicaid Services, 7 Aug. 2025, www.cms.gov/files/document/statement-regarding-short-term-limited-duration-insurance.pdf.
Judge Vacates HHS MA Commissions Lawsuit:
O’Conner, Reed. “Americans for Beneficiary Choice & Council for Medicare Choice vs. U.S. Department of Health and Human Services.” Gove.Uscourts.Com, U.S. District Court, 18 Aug. 2025, storage.courtlistener.com/recap/gov.uscourts.txnd.389767/gov.uscourts.txnd.389767.62.0.pdf.
“Judge Vacates Medicare Advantage Marketing Rule Provisions.” Fiercehealthcare.Com, Fierce Healthcare, 19 Aug. 2025, www.fiercehealthcare.com/payers/judge-vacates-medicare-advantage-marketing-rule-provisions.
Resources:
2025 MA Enrollment Stats & Trends
2026 ACA & Medicare Cost Projections
2026 Midwest D-SNP Market Opportunity
2026 D-SNP Market Snapshot
5 Things About ICHRA
Americans for Beneficiary Choice Wins Medicare Advantage Broker Compensation Ruling Lawsuit
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Friday Aug 15, 2025
Friday Aug 15, 2025
The Friday Five for August 15, 2025:
Threads, Waze, AEP Countdown
CMS 2026 Medicare Part D Bid Information
Medicare Part B Cost Projections
2026 COLA Estimate
CY2026 ACA Premium Rate Filings
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Threads, Waze, AEP Countdown:
“Number of Threads Users.” Backlinko.Com, Backlinko, 17 July 2025, backlinko.com/threads-users.
Mendes, Marcus. “Threads Crosses 400M Monthly Active Users as It Gains on X.” 9to5Mac.Com, 9to5Mac, 13 Aug. 2025, 9to5mac.com/2025/08/12/threads-crosses-400m-monthly-active-users-as-it-gains-on-x/.
Price, Emily. “Threads Just Achieved Its Biggest Milestone Yet.” FastCompany.Com, Fast Company, 12 Aug. 2025, www.fastcompany.com/91384230/meta-threads-just-achieved-its-biggest-milestone-yet.
Malik, Aisha. “Threads Now Has More than 400 Million Monthly Active Users.” TechCrunch.Com, TechCrunch, 12 Aug. 2025, techcrunch.com/2025/08/12/threads-now-has-more-than-400-million-monthly-active-users/.
“Waze Will End Updates for Older Android Devices Soon.” 9to5google.Com, Google, 11 Aug. 2025, 9to5google.com/2025/08/11/waze-will-end-updates-for-older-android-devices-soon/.
CMS 2026 Medicare Part D Bid Information:
“2026 Medicare Part D Bid Information and Part D Premium Stabilization Demonstration Parameters.” CMS.Gov, CMS, 28 July 2025, www.cms.gov/newsroom/fact-sheets/2026-medicare-part-d-bid-information-and-part-d-premium-stabilization-demonstration-parameters.
2026 Medicare Part D Bid Info Likely Means Higher Premiums & Plan Disruption — Here's Why
The 2026 Medicare Part D Redesign Updates Agents Should Know
Medicare Part B Cost Projections:
“2025 Medicare Trustees Report.” CMS.Gov, CMS, 18 June 2025, www.cms.gov/oact/tr/2025.
LeValley, Donna. “Seven Medicare Changes Coming in 2026.” Kiplinger.Com, Kiplinger, 8 Aug. 2025, www.kiplinger.com/retirement/medicare/medicare-changes-coming-in-2026.
2026 COLA Estimate:
“2025 Medicare Trustees Report.” CMS.Gov, CMS, 18 June 2025, www.cms.gov/oact/tr/2025.
LeValley, Donna. “Seven Medicare Changes Coming in 2026.” Kiplinger.Com, Kiplinger, 8 Aug. 2025, www.kiplinger.com/retirement/medicare/medicare-changes-coming-in-2026.
CY2026 ACA Premium Rate Filings:
Minemyer, Paige. “KFF Analysis Finds a Median ACA Premium Hike of 18% for 2026.” Fiercehealthcare.Com, FierceHealthcare, 8 Aug. 2025, www.fiercehealthcare.com/payers/kff-analysis-finds-median-aca-premium-hike-18-2026.
Ortaliza, Jared, Matt McGough, Kaitlyn Vu, et al. “How Much and Why ACA Marketplace Premiums Are Going up in 2026.” Healthsystemtracker.Org, KFF, 6 Aug. 2025, www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/.
Resources:
5 Things About ICHRA
2026 D-SNP Market Snapshot
2026 Midwest D-SNP Market Opportunity
Ritter Insurance Marketing Certification Center
Should You Hire an Assistant for Your Insurance Business?
What New Insurance Agents Need to Know
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Friday Aug 08, 2025
Friday Aug 08, 2025
The Friday Five for August 8, 2025:
Ritter Insurance Marketing Summits
Linda Yaccarino Enters Health Industry
iOS 26 and iPadOS 26 Public Beta Takeaways
New Instagram Features
2025 MA Enrollment Stats & Trends
Register to Attend Ritter Insurance Marketing Summits
Work with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
Linda Yaccarino Enters Health Industry:
“eMed® Population Health Announces Appointment of Former X (Twitter) CEO Linda Yaccarino as New Chief Executive Officer.” Emed.Com, eMed, 5 Aug. 2025, www.emed.com/media/exploring-glp1.
Capoot, Ashley. “Former X CEO Linda Yaccarino Takes Helm at Digital Health Company eMed.” CNBC.Com, CNBC, 5 Aug. 2025, www.cnbc.com/2025/08/05/former-x-ceo-linda-yaccarino-takes-helm-at-digital-health-company-emed.html.
Roy, Sriparna, and Sneha S K. “Former X CEO Yaccarino Takes Helm at GLP-1 Focused Telehealth Firm eMed.” Reuters.Com, Reuters, 5 Aug. 2025, www.reuters.com/sustainability/boards-policy-regulation/former-x-ceo-yaccarino-takes-helm-glp-1-focused-telehealth-firm-emed-2025-08-05/.
Silberling, Amanda. “Linda Yaccarino Joins Health Tech Platform eMed as CEO after Leaving X.” Techcrunch.Com, TechCrunch, 5 Aug. 2025, techcrunch.com/2025/08/05/linda-yaccarino-joins-health-tech-platform-emed-as-ceo-after-leaving-x/.
iOS 26 and iPadOS 26 Public Beta Takeaways:
“Apple iOS 26 Will Screen Cold Calls.” Collincadmus.Com, Collin Cadmus, www.collincadmus.com/blog/apple-ios-26-will-screen-cold-calls. Accessed 6 Aug. 2025.
Teague, Katie. “Can You Download the iOS 26 Beta Today? Here’s a Comprehensive List of All Compatible iPhones.” Engadget.Com, Engadget, 6 Aug. 2025, www.engadget.com/mobile/can-you-download-the-ios-26-beta-today-heres-a-comprehensive-list-of-all-compatible-iphones-191854920.html.
Stimac, Blake. “iOS 18 vs. iOS 26: How Much Does Liquid Glass Impact Your iPhone’s Look?” CNET.Com, CNET, 4 Aug. 2025, www.cnet.com/tech/services-and-software/ios-18-vs-ios-26-how-much-does-liquid-glass-impact-your-iphones-look/.
Halton, Clay. “I Tried the iOS 26 Beta—These 5 Features Make My iPhone Feel Like New Again.” Pcmag.Com, PC Mag, 5 Aug. 2025, www.pcmag.com/news/i-tried-the-ios-26-beta-these-5-features-make-my-iphone-feel-like-new-again.
McAuliffe, Zachary. “Say Goodbye to Spam Calls With Call Screening in iOS 26.” CNET, cnet.com, 5 Aug. 2025, www.cnet.com/tech/services-and-software/say-goodbye-to-spam-calls-with-call-screening-in-ios-26/.
New Instagram Features:
“How to Repost a Reel or a Post on Instagram.” Help.Instagram.Com, Instagram, help.instagram.com/1059575985490156. Accessed 7 Aug. 2025.
Gallaga, Omar. “Instagram Adds New Features, Including Reposts and Maps.” CNET.Com, CNET, 6 Aug. 2025, www.cnet.com/news/social-media/instagram-adds-new-features-including-reposts-and-maps/.
Pathak, Khamosh. “Instagram’s Latest Update Added Reposts and a Snap Map Clone.” Lifehacker.Com, Lifehacker, 6 Aug. 2025, lifehacker.com/tech/instagram-added-reposts-and-snap-map-clone.
Malik, Aisha. “Instagram Takes on Snapchat with New ‘Instagram Map.’” Techcrunch.Com, TechCrunch, 6 Aug. 2025, techcrunch.com/2025/08/06/instagram-takes-on-snapchat-with-new-instagram-map/.
Heathera. “New Instagram Features to Help You Connect.” About.Fb.Com, Meta Newsroom, 6 Aug. 2025, about.fb.com/news/2025/08/new-instagram-features-help-you-connect/.
2025 MA Enrollment Stats & Trends:
Ochieng, Nancy, et al. “Medicare Advantage in 2025: Enrollment Update and Key Trends.” KFF.Org, KFF, 28 July 2025, www.kff.org/medicare/issue-brief/medicare-advantage-enrollment-update-and-key-trends/.
Resources:
5 Things About ICHRA
5 Things From the 2025 Budget Reconciliation Bill
2026 D-SNP Market Snapshot
2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D
How to Organize a Turning 65 Seminar on a Budget
ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents
The One Big Beautiful Bill: What Health Insurance Agents Should Know
The Pros and Cons of Working with Regional and National Carriers
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.
Saturday Jul 26, 2025
Saturday Jul 26, 2025
D-SNP integration changes are about to hit year 2 in 2026. What does that mean for the market? Lincoln Lafayette and Anthony Budhar join Sarah to chat about the D-SNP market in 2026 and the opportunities for agents selling dual-eligible special needs plans.
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Connect with Lincoln & Anthony:
📧Reach out to Lincoln Lafayette
Lincoln on LinkedIn
📧Reach out to Anthony Budhar
Anthony on LinkedIn
Resources:
Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans
Midwest State D-SNP Disruption
The Benefits of Selling D-SNPs
The Complete Guide on How to Sell D-SNPs
The Midwest D-SNP Market Shifts to Integrated Plans for 2026 — Will You?
References:
“Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f.
“Number of Dual-Eligible Individuals.” KFF.Org, KFF, 7 May 2025, www.kff.org/other/state-indicator/number-of-dual-eligible-individuals/?currentTimeframe=4&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D.
Pena, Maria T., et al. “The Landscape of Medicare and Medicaid Coverage Arrangements for Dual-Eligible Individuals Across States.” KFF.Org, KFF, 24 Oct. 2024, www.kff.org/medicare/issue-brief/the-landscape-of-medicare-and-medicaid-coverage-arrangements-for-dual-eligible-individuals-across-states/.
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Friday Jul 25, 2025
Friday Jul 25, 2025
This week's Friday Five is a mini-explainer on ICHRA: the Individual Coverage Health Reimbursement Arrangement. Learn more about this type of coverage and partnership opportunities for Ritter Insurance Marketing agents to offer it.
Have questions about ICHRA or QSEHRA? Send them our way by email ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
5 Things From the 2025 Budget Reconciliation Bill
2026 Midwest D-SNP Market Opportunity
Community Engagement & ACA Marketing Suggestions
Field Notes on Partner Marketing Resources
How an ICHRA Partnership Can Support ACA Sales
ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents
The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover
What is the Health Insurance Marketplace?
References:
“6 Reasons to Appreciate All That ICHRAs Have to Offer.” Nexben.Com, Nexben, 24 June 2025, www.nexben.com/blog/6-reasons-to-appreciate-all-that-ichras-have-to-offer.
“A Broker’s Guide to ICHRA Defined Contributions: Strategies, Affordability, and Examples.” Nexxben.Com, Nexben, 17 July 2025, www.nexben.com/blog/a-brokers-guide-to-ichra-defined-contributions-strategies-affordability-and-examples.
Charaba, Chase. “A Look at the Growth of ICHRA.” Remodelhealth.Com, Remodel Health, 21 May 2025, remodelhealth.com/a-look-at-the-growth-of-ichra/.
“Defining ICHRA Classes.” ICHRA.Com, ICHRA, 7 Apr. 2025, ichra.com/ichra-and-employee-classes/.
Olsen, Emily. “Employer Healthcare Costs Projected to Rise 9% in 2025: AON.” Healthcaredive.Com, Healthcare Dive, 19 Aug. 2024, www.healthcaredive.com/news/employer-healthcare-costs-increase-2025-aon/724505/.
“Growth Trends for ICHRA & QSEHRA Volume 4: 2024-2025.” Hracouncil.Org, HRA Council, 17 June 2025, www.hracouncil.org/resources/FINAL%20-%202025%20HRAC%20Data%20Report.pdf.
“HRA Council.” Hracouncil.Org, HRA Council, www.hracouncil.org/. Accessed 22 July 2025.
“ICHRA Guide for Individual Coverage HRAs 2025.” Takecommandhealth.Com, TakeCommand Health, 10 June 2025, www.takecommandhealth.com/ichra-guide.
Cattanach, Jamie. “ICHRAs Are on the Rise. Here’s What You Need to Know about This New Coverage Option.” Valuepenguin.Com, ValuePenguin, 24 June 2025, www.valuepenguin.com/news/ichra-increasing-in-popularity.
“Individual Coverage HRA (ICHRA) Basics for ACA Agents.” Healthsherpa.Com, HealthSherpa, blog.healthsherpa.com/agents/agent-ichra/. Accessed 21 July 2025.
“New: 2025 HRA Council Data Report.” Hracouncil.Org, HRA Council, www.hracouncil.org/report. Accessed 22 July 2025.
“New Data Shows Continued Expansion of Health Reimbursement Arrangements: Latest HRA Council ICHRA & QSEHRA Report.” Hracouncil.Org, HRA Council, 17 June 2025, www.hracouncil.org/resources/2025%20HRA%20Council%20Data%20Report%20News%20Release.pdf.
“The Power of an ICHRA: ICHRA Benefits for Employees, Employers, and Brokers.” Nexben.Com, Nexben, 17 Apr. 2025, www.nexben.com/blog/the-power-of-an-ichra-ichra-benefits-for-employees-employers-and-brokers.
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Friday Jul 18, 2025
Friday Jul 18, 2025
The Friday Five for July 18, 2025:
Update on Regulation Banning Medical Debt from Credit Reporting
Google Announces NotebookLM Featured Notebooks
This week in Apple Rumors
Threads Usage Up, Meta Testing Facebook Login
2026 Midwest D-SNP Market Opportunity
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Update on Regulation Banning Medical Debt from Credit Reporting:
Wise, Alana. “Americans’ Medical Debt Can Stay in Credit Reports, Judge Rules. What Does That Mean?” NPR.Org, NPR, 15 July 2025, www.npr.org/2025/07/15/nx-s1-5468438/medical-debt-credit-reports-ruling.
“Can Medical Collection Debt Impact Credit Scores?” Equifax.Com, Equifax, www.equifax.com/personal/education/credit/score/articles/-/learn/can-medical-debt-impact-credit-scores/. Accessed 16 July 2025.
Picchi, Aimee. “Federal Judge Reverses a CFPB Rule to Strip Medical Debt from Credit Reports. Here’s What It Means.” Cbsnews.Com, CBS, 15 July 2025, www.cbsnews.com/news/federal-judge-reverses-medical-debt-rule-credit-reports-cfpb/.
Morga, Adriana, and Cora Lewis. “Federal Judge Reverses Rule That Would Have Removed Medical Debt from Credit Reports.” Apnews.Com, AP News, 15 July 2025, apnews.com/article/cfpb-medical-debt-credit-reports-41f212ee6b89f9902deb267d75ab8443.
Axelton, Karen. “How Does Medical Debt Affect Your Credit Score?” Experian.Com, Experian, 7 Feb. 2025, www.experian.com/blogs/ask-experian/medical-debt-and-your-credit-score/.
“How Does Medical Debt Appear on My Credit Report?” Transunion.Com, Transunion, www.transunion.com/credit-disputes/credit-collections. Accessed 16 July 2025.
Muoio, Dave. “Judge Grants CFPB, Trade Groups’ Request to Toss Biden-Era Medical Debt Rule.” Fiercehealthcare.Com, Fierce Healthcare, 14 July 2025, www.fiercehealthcare.com/regulatory/judge-grants-cfpb-trade-groups-request-toss-biden-era-medical-debt-rule.
Google Announces NotebookLM Featured Notebooks:
McHugh-Johnson, Molly. “8 Expert Tips for Getting Started with NotebookLM.” Blog.Google.Com, Google, 18 Oct. 2024, blog.google/technology/ai/notebooklm-beginner-tips/.
Roth, Emma. “Google’s Curated AI ‘Notebooks’ Talk You through Topics from Parenting to Shakespeare.” Theverge.Com, The Verge, 14 July 2025, www.theverge.com/news/706854/google-notebooklm-featured-notebook-ai-topics.
Perez, Sarah. “NotebookLM Adds Featured Notebooks from The Economist, The Atlantic, and Others.” Techcrunch.Com, TechCrunch, 14 July 2025, techcrunch.com/2025/07/14/notebooklm-adds-featured-notebooks-from-the-economist-the-atlantic-and-others/.
Johnson, Steven. “Try Featured Notebooks on Selected Topics in NotebookLM.” Blog.Google.Com, Google, 14 July 2025, blog.google/technology/google-labs/notebooklm-featured-notebooks/.
This week in Apple Rumors:
Rossignol, Joe. “All 15 New iPhone 17 and iPhone 17 Pro Colors Revealed in Latest Leak.” MacRumors.Com, MacRumors, 16 July 2025, www.macrumors.com/2025/07/16/all-new-iphone-17-and-17-pro-colors-leaked/.
Christoffel, Ryan. “IOS 26 Public Beta Rumored to Launch next Week.” 9to5Mac.Com, 9to5Mac, 15 July 2025, 9to5mac.com/2025/07/15/ios-26-public-beta-rumored-to-launch-next-week/.
Threads Usage Up, Meta Testing Facebook Login:
“Global Social Media Statistics.” Datareportal.Com, DataReportal, Apr. 2025, datareportal.com/social-media-users.
Campbell, Ian Carlos. “Threads Is Testing Facebook Account Sign-Ups.” Engadget.Com, Engadget, 16 July 2025, www.engadget.com/social-media/threads-is-testing-facebook-account-sign-ups-191214734.html.
Perez, Sarah. “Threads Is Nearing X’s Daily App Users, New Data Shows.” Techcrunch.Com, TechCrunch, 7 July 2025, techcrunch.com/2025/07/07/threads-is-nearing-xs-daily-app-users-new-data-shows/.
Hutchinson, Andrew. “Threads Tests Option To Sign up for an Account Using Facebook.” Socialmediatoday.Com, Social Media Today, 15 July 2025, www.socialmediatoday.com/news/threads-tests-sign-up-using-facebook-profile-instead-of-instagram/753156/.
2026 Midwest D-SNP Market Opportunity:
Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans
Event Registration: Strategically Increasing Your Market Share with D-SNPs
Midwest State D-SNP Disruption
The Benefits of Selling D-SNPs
The Midwest D-SNP Market Shifts to Integrated Plans for 2026 — Will You?
Resources:
5 Things From the 2025 Budget Reconciliation Bill
Field Notes on Digital Marketing Resources
Field Notes on Partner Marketing Resources
Field Notes on Traditional Marketing Resources
Takeaways from Apple WWDC 2025
The Complete Guide on How to Sell D-SNPs
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Friday Jul 11, 2025
Friday Jul 11, 2025
In this week’s Friday Five, Sarah gives her first impressions on what agents need to know about the 2025 Budget Reconciliation Bill. Learn more about what’s changed for Medicare, Medicaid, ACA, and more!
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
2025 ACA Marketplace Integrity & Affordability Final Rule Takeaways
2026 Medicare Advantage and Part D Certification Info
Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule
Summer 2025 Survival Guide
References:
Konish, Lorie. “‘Big Beautiful Bill’ May Help Some Seniors on Social Security. But It Doesn’t Eliminate Taxes on Benefits.” CNBC.Com, CNBC, 8 July 2025, www.cnbc.com/2025/07/07/why-big-beautiful-bill-doesnt-end-taxes-on-social-security-benefits.html.
“Health Provisions in the 2025 Federal Budget Reconciliation Bill.” KFF.Org, KFF, 5 July 2025, www.kff.org/tracking-the-medicaid-provisions-in-the-2025-budget-bill/.
Published: Nov 21, 2024. “How Much More Would People Pay in Premiums If the ACA’s Enhanced Subsidies Expired?” KFF, KFF.org, 15 Apr. 2025, www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/.
Ortaliza, Jared, et al. “How Will the One Big Beautiful Bill Act Affect the ACA, Medicaid, and the Uninsured Rate?” KFF.Org, KFF, 18 June 2025, www.kff.org/policy-watch/how-will-the-2025-budget-reconciliation-affect-the-aca-medicaid-and-the-uninsured-rate/.
“One Big Beautiful Bill Act.” Congress.Gov, Congress, www.congress.gov/bill/119th-congress/house-bill/1/text. Accessed 9 July 2025.
“‘One Big Beautiful Bill Act’ Tax Policies: Details and Analysis.” Taxfoundation.Org, Tax Foundation, 7 July 2025, taxfoundation.org/research/all/federal/big-beautiful-bill-senate-gop-tax-plan/.
Muoio, Dave. “Trump Signs Big Tax and Spending Bill into Law as Industry Groups Decry Healthcare Cuts.” Fiercehealthcare.Com, Fierce Healthcare, 6 July 2025, www.fiercehealthcare.com/providers/house-votes-218-214-send-reconciliation-bill-trumps-desk.
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/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.