Ryan P Ross Insurance

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Ryan P Ross Insurance Independent insurance broker helping individuals, families and businesses with Medicare, health, life, home and business insurance.

Personalized guidance based in Saint Cloud, Florida.

**Self-employed? Own a small business? Your health insurance options may be broader than you think.**One thing I see oft...
10/16/2026

**Self-employed? Own a small business? Your health insurance options may be broader than you think.**

One thing I see often is people choosing health insurance based primarily on the monthly premium without fully understanding the coverage.

The ACA Marketplace can be a good option, but depending on your situation, private health insurance may also be worth exploring.

The key is understanding the differences in benefits, provider networks, deductibles, exclusions, and out-of-pocket exposure.

And for anyone approaching Medicare eligibility or reviewing an existing Medicare plan, Annual Enrollment begins October 15.

At Ryan P Ross Insurance, I help individuals, families, and business owners compare their available options and make informed decisions.

If you or someone you know could use help, I'm happy to schedule a complimentary review.

https://calendly.com/ryanpross-support/30min

Sometimes a simple conversation can make insurance a lot easier to understand.

**Think your health insurance is still the best fit? Think again.**Medicare Open Enrollment starts October 15.ACA Market...
10/15/2026

**Think your health insurance is still the best fit? Think again.**

Medicare Open Enrollment starts October 15.

ACA Marketplace Open Enrollment starts November 1.

And private health insurance may be another option depending on your situation.

You don't have to figure everything out on your own.

I help people compare their options, understand their coverage, and make informed decisions.

Know someone who needs help? **Share this post with them.** It might be exactly what they need.

đź“ž 407-792-6927
đź“… Appointment link in bio

**Nobody tells you this about health insurance...**The cheapest monthly premium isn't always the best deal. And the plan...
10/14/2026

**Nobody tells you this about health insurance...**

The cheapest monthly premium isn't always the best deal. And the plan you've had for years isn't automatically the best option for next year.

Medicare Open Enrollment begins October 15, and ACA Marketplace Open Enrollment begins November 1.

If you're on Medicare, self-employed, retiring early, or just trying to figure out your health insurance options, I'd be happy to help.

I'm not here to push you into changing plans. I'm here to make sure you understand what you have and what your options are.

**And can I ask a favor?**

If you know someone who is turning 65, already on Medicare, or struggling to find health insurance, please share this post with them.

Sometimes all someone needs is a person who will take the time to explain things.

đź“… Book a free review: https://calendly.com/ryanpross-support/30min

đź“ž 407-792-6927

Ryan P Ross Insurance
Saint Cloud, Florida

**Medicare Open Enrollment Starts October 15. Have You Reviewed Your Coverage?**Here's something I tell people all the t...
10/13/2026

**Medicare Open Enrollment Starts October 15. Have You Reviewed Your Coverage?**

Here's something I tell people all the time: just because your insurance worked well this year doesn't mean you shouldn't review it for next year.

Medicare plans can change their costs, prescription coverage, and provider networks.

I'm Ryan Ross with Ryan P Ross Insurance in Saint Cloud, Florida. I help individuals and families understand their Medicare and health insurance options without the pressure or confusion.

Whether you're reviewing Medicare coverage or exploring private health insurance and ACA Marketplace options, I'm happy to help.

**Schedule a free insurance review:**

https://calendly.com/ryanpross-support/30min

Know someone who could use a little guidance? Please share this with them.

407-792-6927

I bet you didn't know this: some Marketplace savings can lower more than your monthly premium.If you qualify for cost-sh...
10/08/2026

I bet you didn't know this: some Marketplace savings can lower more than your monthly premium.
If you qualify for cost-sharing reductions, choosing a Silver plan can lower what you pay for deductibles, copays, and coinsurance.
That is why we look at your whole situation when reviewing ACA Marketplace coverage.
ACA Open Enrollment begins November 1.

Book your free consultation through the link in my bio, or call/text 407-792-6927.

Medicare reminder: your enrollment window starts October 15.
Schedule your review now if you would like my help.


https://calendly.com/ryanpross-support/30min

💵 Hearing about a $90 Medicare rebate? Here’s what to know.CMS has announced a ONE-TIME $90 Part B premium rebate for ce...
10/07/2026

💵 Hearing about a $90 Medicare rebate? Here’s what to know.

CMS has announced a ONE-TIME $90 Part B premium rebate for certain Medicare beneficiaries this October.

To qualify, you must:
âś… Have Original Medicare Part B
âś… Live in the United States
âś… Not receive Medicaid assistance with your Part B premium
âś… Not pay the higher-income Part B surcharge called IRMAA

Medicare Advantage members are not eligible for this rebate.

Most eligible recipients are expected to receive a direct deposit on or around October 8, with paper checks arriving later in October. Payments are automatic—there is no application to complete.

This is a one-time payment, not a monthly benefit or permanent premium reduction.

🔒 Don’t give someone your banking or personal information because they claim they need it to “release” your rebate.

Questions about eligibility? Call 1-800-MEDICARE (1-800-633-4227).
For payment status, CMS directs beneficiaries to Social Security at 1-800-772-1213 beginning October 15.

Read the official CMS announcement:
https://www.cms.gov/newsroom/fact-sheets/medicare-improvement-fund-premium-rebate-frequently-asked-questions

Ryan Ross | Ryan P Ross Insurance
đź“ž 407-792-6927
đź“ž 239-289-9839

Have ACA Marketplace health insurance? Let’s get ready for 2027!Plans, prices, doctor networks, and prescription coverag...
10/07/2026

Have ACA Marketplace health insurance? Let’s get ready for 2027!

Plans, prices, doctor networks, and prescription coverage can change. Even if you keep the same insurance company. Cigna and Molina Marketplace departures will also affect some clients, including those in Florida.

âś… Already an ACA client of mine? Watch for a separate authorization request next week, around October 12. Please review and complete it promptly so I can help prepare for your plan review.

âś… New email, phone number, address, job, income, or household changes? Please let me know so your information stays current.

📅 Open Enrollment begins November 1. Let’s review your options together and get ready for January coverage.

Questions? Call Ryan. I’m here to help.
đź“ž 407-792-6927
đź“ž 239-289-9839

Ryan P Ross Insurance
Personalized insurance solutions for individuals, families, and businesses.

Please contact me directly with personal updates rather than posting them in the comments.

Here's the honest truth: the lowest health insurance premium is only part of the picture.For self-employed professionals...
10/07/2026

Here's the honest truth: the lowest health insurance premium is only part of the picture.
For self-employed professionals, early retirees, and families purchasing their own coverage, an ACA Marketplace plan needs to fit both the household budget and the way they use healthcare.
Before choosing, review the provider network, prescription coverage, deductible, and expected out-of-pocket costs. Eligible households may also qualify for premium tax credits or additional savings through a Silver plan.
ACA Open Enrollment for 2027 coverage begins November 1. I offer free consultations to help people prepare and understand their choices.
Realtors, mortgage professionals, tax professionals, and business owners: if a client is moving or losing job-based coverage, I am happy to help them check their enrollment options.
Schedule: https://calendly.com/ryanpross-support/30min
Learn more: https://ryanpross.com/aca-health-insurance
Ryan Ross | Ryan P Ross Insurance

https://ryanpross.com/aca-health-insurance

Address

6675 Bass Highway
Saint Cloud, FL
34771

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm

Telephone

+12392899839

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