Cornerstone Benefit Solutions

Navigating Changes in ACA Plans and Enrollment for 2025:

As your friendly insurance broker at Cornerstone Benefit Solutions, I’m here to help keep you up to date with the latest developments in the world of health insurance. Our agency offers suite of valuable benefits and we get to know our customers needs and budget and then work to find the right benefits and price.

Additionally, we also provide helpful information on the insurance industry and or benefits to help our customers navigate, plan, and make good decisions.

The Affordable Care Act (ACA) continues to be a key source of health coverage for many individuals and families — but the rules around it are shifting - again! The Trump Admin is implementing several changes for the 2025 coverage year, and understanding them is essential to making the right choice for your health and budget.

Here’s a quick, pithy rundown of the most important changes to ACA plans and enrollment for 2025:

1) Shortened Open Enrollment Period: Open Enrollment will now run from November 1 to December 15 — this is a shorter window than in previous years. This gives consumers just 45 days to review, compare, and enroll in a plan for 2025. It’s more important than ever to be proactive and get help early to avoid missing your opportunity.

2) Expansion of Short-Term Health Plans (STM): the administration is continuing to push short-term health plans as a more flexible, lower-cost alternative to traditional ACA plans. These STM plans are currently limited to a maximum of 4 months coverage and can be renewed for 1 additional month time. Currently, bills are being drafted to allow STM plans to provide coverage up to 36 months in some states, with renewal options of another 12 month. Be aware, though — these plans don’t cover pre-existing conditions and may exclude essential benefits.

3) Elimination of the Individual Mandate Penalty: As of 2025, there is no federal penalty for not having health insurance. While this gives people more freedom to opt out, it also means fewer healthy people are in the insurance pool, which can lead to rising premiums in some markets.

4) Enhancements to Health Reimbursement Arrangements (HRAs): Employers can now use HRAs to help employees buy individual health insurance on the open market. This gives small businesses more flexibility and can increase plan choices for employees — but it also means employees need to be more engaged in comparing and selecting plans.

4) Subsidy Formula Adjustments: Changes in how subsidies are calculated may affect affordability, especially for those earning within the federal poverty level. It’s critical to review your eligibility carefully this year, as even small changes in income can impact what you pay.

5) More State Flexibility via Waivers: States are being given greater authority to design their own ACA alternatives through Section 1332 waivers. Depending on where you live, this could mean different plan offerings, premium structures, or even new types of subsidies.

6) Supplemental benefits: Health Insurance deductibles, co-pays, out-of-pocket expenses continue to rise and supplemental benefits become more important as they pay cash benefits to fill in the gaps that health insurance doesn't cover. Sadly, many don't know the need and value of Supplemental benefits until a claim occurs and then they find out how non-medical expenses can mount and create a financial hardship. Health insurance, in general, covers medical expenses, but Supplemental Benefits pay CASH benefits to you so you don't have to worry about the bills, just get better!

Insurance and changes can feel overwhelming, but that’s why I’m here. At Cornerstone Benefit Solutions, we specialize in helping you navigate the shifting healthcare landscape with confidence. I take the time to understand your needs and walk you through the options step by step — no pressure, just helpful advice.

If you have questions, need advice about your current plan, or want help finding the better benefits, reach out to me. Let’s make sure you’re covered for 2025 — with a plan that works for you, your family, and your budget.

𝗛𝗲𝗮𝗹𝘁𝗵-𝗦𝗵𝗮𝗿𝗲 𝘃𝘀 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲.
What's the difference and which is right for you?

Healthcare sharing ministry pros & cons Health sharing plans are an alternative to traditional health insurance. See the pros and cons of these plans to help you make an informed decision.

At Cornerstone Benefit Solutions, 𝐰𝐞 𝐩𝐫𝐨𝐯𝐢𝐝𝐞 𝐦𝐞𝐚𝐧𝐢𝐧𝐠𝐟𝐮𝐥 𝐯𝐚𝐥𝐮𝐞 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 to our clients — offering the same to those needing benefits.

Whether it’s:

💸 𝐒𝐚𝐯𝐢𝐧𝐠 𝐌𝐨𝐧𝐞𝐲,
🛠️ 𝐒𝐨𝐥𝐯𝐢𝐧𝐠 𝐩𝐫𝐨𝐛𝐥𝐞𝐦𝐬,
❤️ 𝐏𝐫𝐨𝐯𝐢𝐝𝐢𝐧𝐠 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐬𝐞𝐫𝐯𝐢𝐜𝐞

👉 We are here for YOU!

Tired of Expensive Health Insurance?

You're Not Alone— there is a Smarter, More Affordable Option!

Over 1.7 million people have switched to health share plans — it’s been a game-changer.

✅ Lower monthly costs
✅ Enroll anytime of the year
✅ Great for those who need benefits
✅ Freedom to choose your own doctors
✅ Access to a nationwide PPO network for peace of mind
✅ A real sense of community instead of corporate red tape

With a health share plan, you're not just throwing money at a big insurance company. You’re part of a group of people helping each other cover real medical expenses—often for a fraction of the cost. It’s simple, it’s transparent, and it actually makes sense.

If you’re tired of overpaying for healthcare, it’s time to look at your options. I’d love to help you understand how a health share plan works—and let you determine if it’s the right fit for you or your family.

📩 Message me today or drop a comment below—let’s chat! You deserve better.