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Aarti Mane

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Aarti Mane is an insurance researcher and content editor at Insurance Guide Book. She specializes in researching health insurance, life insurance, Medicare, business insurance, auto insurance, and consumer protection topics in the United States, United Kingdom, and Canada. Her goal is to simplify complex insurance concepts and provide readers with accurate, practical, and easy-to-understand information. All articles are carefully researched using reputable industry sources, insurer publications, and official government resources when applicable. Aarti regularly reviews insurance trends, policy updates, and regulatory developments to help readers make informed insurance decisions.

Telehealth is Baseline: How Medicare Plans are Integrating Virtual Care Permanently in 2026

The End of the "Telemedicine Cliff" After several brief lapses in late 2025 and early 2026, the federal government has provided long-term certainty for patients...

Substance Use & Privacy: What the 2026 HIPAA Update Means for Your Medical Records

The "Single Consent" Revolution Before 2026, sharing substance use disorder (SUD) records required a separate, specific signed consent for every single doctor or insurance claim. The...

Drug Price Negotiations: Which 10 Medicare Part D Drugs Just Got Cheaper?

The "First 10" Negotiated List (2026) The Centers for Medicare & Medicaid Services (CMS) selected these drugs based on high total spending and the absence...

The $35 Insulin Cap: What the New 2026 Cost-Sharing Limits Mean for You

The Permanent $35 Protection The landmark $35 monthly cap on insulin, which began in 2023, is now a permanent fixture of the Medicare landscape. Day-One Savings:...

Medicare Advantage 2026: Why 86% of Enrollees are Choosing $0 Premium Plans

The "Rebate" Engine Driving $0 Costs The secret behind the $0 premium isn't that the insurance is free; it’s how the government pays the insurers. The...

The “Stay-Well” ROI: Assessing the Real Impact of Wellness Apps on Your Bottom Line

The 2026 Shift—From Engagement to "Claims Impact" In 2026, HR departments have moved away from "usage rates" (how many people logged in) to Claims Correlation. The...

Vendor Accountability: How to Audit Your Insurance Partners for Hidden PBM Kickbacks

The New "Covered Service Provider" Status The 2026 CAA formally reclassified Pharmacy Benefit Managers (PBMs) as "covered service providers" under ERISA. The Impact: This forces PBMs...

The Medical 401(k): Why HDHP + HSA Plans are the Retention Secret of 2026

The "Triple Tax Advantage" Powerhouse The HSA is unique in the U.S. tax code because it offers three distinct layers of tax savings that even...

Beating the 9% Trend: Innovative Benefit Strategies to Lower Group Premiums in 2026

The "Reference-Based Pricing" (RBP) Shield In 2026, the most effective way to slash premiums is to abandon the "Negotiated Rate" model. The Strategy: RBP drops traditional...

ICHRAs to “CHOICE” Arrangements: The Small Business Guide to the 2026 OBBB Act

The OBBB Act of 2026 Explained Passed in late 2025 and implemented in early 2026, the OBBB Act was designed to level the playing field...

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