Blog

The Annual Enrollment Period (AEP) runs from October 15 to December 7 each year.

Here’s a quick update on Erie County’s real estate market. Homes are selling at similar prices as last year. The number of homes changing hands has slightly decreased, and available homes remain steady.

The “11th hour of the 11th day of the 11th month" of 1918 signaled the end of World War I.
It's honored as Veterans Day to remember the men and women who have served, and continue to serve during times of war, conflict and peace.
Salute to all heroes, and thank you for your service.personnel who served the United States in all wars, particularly living veterans.
To those in uniform serving today and to those who have served in the past, we honor you today and every day.
For your service, your bravery and your hard work, we thank you.

Medicare’s Annual Enrollment Period runs from October 15 to December 7 each year. If you’re down to the last month, it’s time to act quickly. Review your current plan’s benefits, premiums, and coverage for medications or providers. Compare other Medicare Advantage or prescription drug plans to see if switching could save money or improve care. Failing to renew or update by December 7 can result in waiting until next year’s window or facing penalties. Early renewal ensures uninterrupted coverage and peace of mind.

Medicare enrollment: Oct. 15–Dec. 7; ACA marketplace: Nov. 1–Jan. 15, 2026
Nearly **70 million** use Medicare; about **5,600** Medicare Advantage Plans expected in 2026
ACA tax credits for **22 million** may expire end of 2025, risking premiums ↑ by >$1,200/yr
Experts warn of 'sticker shock' and possible coverage loss if subsidies end
Employer plans: costs ↑, HSA/FSA limits ↑; more uninsured could raise premiums systemwide

Medicare now includes telehealth services, letting you see doctors virtually without leaving home.

Halloween falls on October 31 because the ancient Gaelic festival of Samhain, considered the earliest known root of Halloween, occurred on this day.
In the eighth century, Pope Gregory III designated November 1 as a time to praise all saints.
Soon, All Saints' Day incorporated some traditions of Samhain and the evening before was known as All Hallows Eve, and later Halloween.
Over time, Halloween evolved into a day of activities like trick-or-treating, carving jack-o-lanterns, festive gatherings, donning costumes and eating treats.
Today’s the day to eat candies and sweets to your heart’s content! Happy Halloween!