Medicare Late Enrollment Penalty: How Part B, Part D and Part A Penalties Are Calculated
How Medicare's late enrollment penalties work: 10% per full year for Part B, 1% a month for Part D, worked 2026-2027 examples, and how to avoid or appeal one.
Insurance Learning Center — page 7
Plain-English explanations of home, auto and Medicare rules in Washington and Florida: what the law requires, what policies usually cover, and what to check before you choose. Educational only; no products are offered on these pages.
Medicare Part B Premium 2027: What the 3.6% COLA Means While CMS Sets the Number
CMS hasn't set the 2027 Part B premium yet. The Trustees project $209.50 a month. How the 3.6% COLA, hold harmless and IRMAA affect Washington retirees.
Washington Car Insurance Rates: What the Regulator Data Shows
Washington drivers spent $1,416.32 per car on auto insurance in 2024, up 23.1% in a year, per NAIC. What drove it and how to question your renewal.
How to File a Complaint With the Washington Insurance Commissioner (and the New 10-Day Rule)
How to file a complaint with the Washington OIC online or by phone, what to include, what the OIC can and can't do, and the new 10-business-day insurer rule.
Florida Hurricane Deductible: How the 2%, 5% and 10% Options Work After Isaias
Florida's hurricane deductible applies once per calendar year, starts with an NHC hurricane warning, and must show in dollars on your declarations page.
Florida's Total Loss Threshold: The 80% Rule, Flood Cars and What Your Settlement Must Include
Florida's 80% total loss rule covers uninsured cars only. How insured cars get totaled, flood titles, sales tax in settlements and how to dispute an offer.
Medicare Part D 2027: The $2,400 Cap, $700 Deductible and What Else Changes
Part D in 2027: the out-of-pocket cap rises to $2,400, the deductible to $700, and 15 negotiated drug prices start. What Florida readers should check by Dec 7.
WA Cares Fund in 2026: The 0.58% Premium, the $36,500 Benefit and How It Fits With Medicare
WA Cares takes 0.58% of wages and pays up to $36,500 for long-term care since July 2026. Who qualifies, exemptions, covered services, and what Medicare skips.
Washington State Homeowners Insurance Claim Laws: Deadlines, Your Claim File and IFCA
Washington's claim rules change Oct. 18, 2026: 30 days to accept or deny, your claim file in 15 business days, 5 days on mitigation. Plus IFCA and OIC help.
PIP in Washington State: What It Pays, Who It Covers and How the Written Rejection Works
Washington insurers must offer PIP and you can only reject it in writing. The $10,000 and $35,000 benefit limits, who's covered, and the new claim rules.
Florida Car Insurance Requirements in 2026: What the Law Makes You Carry, and What It Doesn't
Florida requires only $10,000 PIP and $10,000 property damage to register a car. When bodily injury liability becomes mandatory, lapse fees, SR-22 and FR-44.
How Long Do You Have to File a Hurricane Claim in Florida? The Deadlines After Isaias
Florida gives you 1 year from landfall to report a hurricane claim and 18 months for a supplemental one. For Isaias that's about Oct 9, 2027. All the clocks.
Medicare Savings Program in Washington State: 2026 Income Limits, No Asset Test
Washington's 2026 QMB limit is $1,463 a month for one person, with no asset test. What QMB, SLMB, QI-1 and QDWI pay, when coverage starts and how to apply.
Medicare Special Enrollment Periods: The Hurricane Rule and Other Ways to Change Coverage in Florida
Missed a Medicare deadline because of Hurricane Isaias? How the disaster SEP is counted, the Part B emergency rule, and the other SEPs Floridians use most.
Washington State Car Insurance Requirements: The 1980 Minimums and What They Leave Out
Washington requires 25/50/10 liability, unchanged since 1980. The four ways to comply, PIP and UIM rules, proof on your phone, fines and the 3-year suspension.
Wildfire Insurance in Washington State: New Claim Deadlines, ALE Limits and Nonrenewals
Washington's new claim rules start Oct. 18, 2026: 30 days to accept or deny. What home policies pay after a wildfire, ALE limits, and nonrenewal notice law.
Citizens Property Insurance in 2026: Takeouts, the 20% Rule and the Flood Deadline
Citizens had 254,836 policies at the end of September 2026. How takeouts and the 20% rule work, the 2027 flood requirement, rates and assessments.
The Florida PIP 14-Day Rule: Why the First Two Weeks After a Crash Decide What You Get
Florida PIP pays medical bills only if you get care within 14 days of a crash, and only an emergency medical condition finding allows $10,000 instead of $2,500.
Medicare for Snowbirds: The 6-Month Rule and What to Check Before You Head to Florida
Medicare Advantage plans must drop members away over 6 months unless they have a visitor/traveler program; drug plans, after 12. What snowbirds should check.
Medicare Open Enrollment 2027 in Washington: Dates, Changes and Your Medigap Rights
Medicare open enrollment runs Oct 15 to Dec 7, 2026. What you can change, the 2027 Part D numbers, the Jan-Mar window, and Washington's Medigap switching rule.