Before 1973, most health insurance in the U.S. was nonprofit. Plans like Blue Cross were founded by hospitals to help patients afford care — everyone paid the same rate regardless of age or health. The focus was on community benefit, not profit margins. ▪️ What changed? The 1973 HMO Act under President Nixon opened the door for for-profit insurers. Rising medical costs, hospital consolidation, and Wall Street investment shifted health coverage from a community service to a commercial product. ▪️

It’s Annual Enrollment Period ending December 7th If you have Medicare and Medicaid, you may be eligible for a Medicare Advantage Dual-Eligible Special Needs plan that offers an Over-The-Counter (OTC) benefit allowance—see what you could be eligible for! We represent carriers such as Aetna, Anthem Blue Cross and Blue Shield, Cigna Healthcare, Humana, UnitedHealthcare®, Wellcare, and Zing. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Allowance amounts cann