The average retiree faces considerable out-of-pocket spending for premiums, copays and uncovered health care services. After subtracting these costs, the typical retiree has only 71% of Social Security and 88% of total income left.

CMS said 14.3 million people are enrolled in an ACO as of January 2026, up by 4.4% from 13.7 million in 2025. For 2026, it approved 134 applications for the Medicare Shared Savings Program, including 72 new participants and 62 returning participants.

When combined with the General Compliance Program Guidance, the Medicare Advantage Industry Segment-Specific Compliance Program Guidance provides a centralized source of voluntary compliance program guidance for Medicare Advantage, identifying areas of risk and strategies entities can take to reduce that risk.

For 4th quarter 2025, CVS Health reported Medicare Supplement member in-force counts of 1,202,000, a decrease of 19,000 in the past quarter and 80,000 over the past 12 months.  The 80,000 decrease in membership in the past 12 months is a 6.2% decrease relative to the membership on 12/31/2024. 

Life insurance application activity closed the year up 22% in December, the MIB Life Index reported, helping 2025 set a record for growth. Application activity grew 6.8% in one year, 6.7% compared to 2023, and 9.8% compared to 2022, the MIB 2025 Annual Report found.

The Medicare supplement market continues to experience higher claims and carriers are attempting to mitigate the higher loss ratios by pursuing larger rate increases.  Early 2026 average rate increases have continued to trend up from 2024 and 2025. Now, results through the end of January are in.

Elevance Health (formerly Anthem, Inc.) released 4th quarter 2025 financials on January 28th, reporting an increase of 5,000 Medicare Supplement lives in the 4th quarter and a decrease of 9,000 Medicare Supplement lives over the past 12 months.  The Elevance Health enrollment table below features Medicare Supplement policy in-force counts of 882,000 as of 12/31/2025.

Integrity, LLC, announced that Christopher Cassidy has joined its Wealth division as Senior Vice President of Integrity Wealth. A seasoned wealth management leader with deep and valuable understanding of the advisor landscape, Cassidy brings extensive experience driving transformational growth across top financial institutions.

The Disruption Group helps clients across the country find peace of mind and be prepared for what life may bring by offering life insurance solutions that holistically meet individual and unique needs. The agency’s comprehensive sales training and personalized coaching program emphasize positive reinforcement, mental strength and relationship building to shape dynamic leaders.

As state legislative sessions open, here are some key trends Telos Actuarial is seeing in the Dental and Medicare Supplement insurance markets.

CSG compiles the most current rate filing data each month. Review the states and details included for each carrier in the coming months. It's all pulled together in one easy-to-read chart. 

Medicare Supplement market leader United Healthcare (UHC) released 4th quarter 2025 financials on January 27th, reporting a 15,000 decrease in Medicare Supplement lives in 4th quarter.  The UHC enrollment table below features Standardized and Modernized policy in-force counts of 4,285,000 as of 12/31/2025, which is a 50,000 decrease in the past 12 months and the lowest UHC Medicare Supplement in-force counts since 2016. 

“Ryan Kocher has distinguished himself with his ability to build and lead high-performing, innovative teams that make a meaningful impact on the market,” shared Bryan W. Adams, Co-Founder and CEO of Integrity. “His experience on the carrier side of the business has led to a deep understanding of market forces that impact product development and distribution.

TDG Financial was founded in 2000 with a mission to improve the financial health and security of American families. Guided by its strong core values, the agency offers life insurance, estate planning, annuities and retirement services. Founder Stephen Davies attributes TDG Financial’s collective success to its passionate, driven team of agents who strive to holistically serve families across the nation.

AmeriLife Group, and its affiliate and leading insurance marketing organization Senior Market Advisors, today announced that it has entered into a strategic partnership with Brian Krantz, founder and president of Plan Medicare, a nationally recognized licensed health insurance producer, to expand advisor-focused Medicare planning and education nationwide.

On the annuity side, LIMRA is projecting sales to exceed $450 billion for 2025, which is double the sales of just four years ago. It is expected to be the fourth consecutive year of record annuity sales. “So, both the life and the annuity have a lot of momentum,” Hodgens said.

Insurance companies that operate in the brokerage ancillary market typically offer per policy bonuses to encourage agents to sell their products.  These bonus structures often apply to the carrier’s suite of ancillary product offerings.

Garrett Sherrill brings an impressive and proven track record of excellence across multiple industries. He draws upon skills and strategies honed from years in competitive environments to build and mentor his elite and rapidly-growing team of agents. ST6 Insurance Group specializes in final expense insurance, offering specialized life insurance products to clients across the nation.

U.S. life insurance application activity finished 2025 with record-breaking growth of 6.8% compared with 2024, representing the highest annual growth rate on record, the MIB Index reported.

The data represents a 6.7% increase over 2023 and 9.8% over 2022, while also achieving the highest total volume of annual application activity seen in the last 10 years.

The Centers for Medicare & Medicaid Services (CMS) reports that 22.8 million consumers have signed up for 2026 individual market health insurance coverage through the Marketplaces since the start of the 2026 Marketplace Open Enrollment Period (OEP) on November 1, 2025.