Deymar Insurance

Holiday Season Office Schedule

As the holiday season arrives, we would like to extend our heartfelt wishes to you and your loved ones. We are truly grateful for your trust and for the opportunity to serve you throughout the year.

Please review our holiday office schedule below:

Office Closed
December 25, 2025
December 31, 2025

Limited Operations (Email Support Only)
December 24, 2025 through January 1, 2026

During this time, our team will be working in limited capacity. Phone lines will be turned off, and all communication will be handled via email only.

Return to Full Operations
January 2, 2026
Normal business hours and full phone support will resume on 01/02/2026.

We wish you a joyful Christmas, peaceful holidays, and a New Year filled with health, success, and new opportunities. May 2026 bring prosperity, clarity, and continued peace to you and your family.

Thank you for being a valued part of the Deymar Insurance Agency community.

IL OPEN ENROLLMENT UPDATE 🚨🚨🚨
The deadline to enroll in an ACA (subsidized) health plan with a JANUARY 1, 2026 effective date has been extended to DECEMBER 31, 2025!
If you’ve missed the 12/15 deadline — no worries, you can still enroll starting January!
Do not wait until the last minute, call us at (847) 496-0006!

📉 Markets Are Shaky. Your Life Insurance Shouldn’t Be.
⠀
With the recent tariff announcements shaking the markets and impacting retirement accounts, it’s more important than ever to secure something stable.
⠀
Life insurance is not tied to the stock market. It doesn’t lose value when the economy dips. And it doesn’t fluctuate with political decisions.
⠀
✔️ Guaranteed protection for your loved ones
✔️ Fixed premiums (no market-based surprises)
✔️ Options to build cash value over time
✔️ Peace of mind—no matter where the market goes
⠀
If you’re relying on your 401(k) alone, you’re missing a key piece of the puzzle. Life insurance isn’t just about death benefits—it’s a long-term financial planning tool that works when the market doesn’t.
⠀
Let’s talk options that protect your future—no matter who’s in office.
⠀
📲 Call or message us to get a personalized quote today.

The Impact of Inflation on Life Insurance
📈 Inflation doesn’t just hit your grocery bill or gas tank—it can quietly shrink the value of your life insurance coverage over time.
⠀
🕰️ If you purchased your policy 10+ years ago, the payout your family receives might not stretch as far today.
⠀
💡 Consider this:
✅ A $250,000 policy in 2010 had significantly more purchasing power than it does in 2025.
✅ That payout may no longer cover essentials like mortgage payments, college tuition, or even day-to-day expenses.
✅ And in the event of the unexpected, your loved ones could be left financially vulnerable.
⠀
🔄 Solution? Make insurance check-ins a habit. Review your coverage regularly, and adjust it to match today’s real-world costs.
⠀
👨‍👩‍👧‍👦 You insure your home, your car, even your phone... but is your family still fully protected?
⠀
📲 Let’s take a moment to review your current policy together—it’s free, and it could make all the difference.
⠀

Understanding Long-Term Care Coverage
⠀
Did you know that health insurance and Medicare typically don’t cover extended long-term care services? 🤔
⠀
Many people assume their existing health coverage will handle future care needs, but the truth is: long-term care, whether in-home or in a facility, often requires separate coverage.
⠀
💡 Without proper coverage, you might end up paying out of pocket for costly services.
⠀
The cost of long-term care varies, and without planning, it can become a financial burden. Let’s break it down:
⠀
⚡ Average Length of Stay in LTC:
- Nursing home: 2.3 years on average
- 48% stay less than a year
- 21% stay more than 5 years
- Assisted living facility: 1.8 years
- Home health care: ~2 years
- Dementia/Alzheimer’s patients: 4–8 years
⠀
💰 Long-term care can be expensive! But affordable insurance options exist to protect your financial future.
⠀
📩 Contact us today to learn about your options!
⠀

📢 Open Enrollment Has Ended – Here’s What You Need to Know About Special Enrollment!
⠀
The Open Enrollment period for 2025 health insurance officially ended on January 15, 2025. However, it’s not too late to secure coverage if you qualify for Special Enrollment.
⠀
🔹 Starting January 16, 2025, the Special Enrollment Period (SEP) allows individuals with a qualifying life event—such as a loss of a previous coverage (such as Medicaid or job-related coverage) or changes of immigration status etc—to enroll in an ACA-compliant health plan for 2025.
⠀
📅 Key Dates to Remember:
• January 15, 2025: Open Enrollment ended.
• January 16, 2025: Special Enrollment begins.
⠀
At Deymar Insurance Agency, we understand navigating these changes can be complex. Our team of experienced agents is ready to assist you with:
✔️ Determining if you qualify for Special Enrollment.
✔️ Exploring your health insurance options.
✔️ Securing 2025 health plan.
⠀
Don’t wait—contact us today to ensure you’re covered!
⠀
📞 Call us now to schedule your consultation.

In the previous posts we talked about APTC (subsidies), let’s talk about another piece of the puzzle, the infamous CSR!
⠀
Understanding Cost-Sharing Reductions (CSR): Your Path to Affordable Healthcare
⠀
💡 What is CSR? Cost-Sharing Reductions (CSR) are financial assistance programs that lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance, when you enroll in a health insurance plan through the Marketplace. CSR is designed to make healthcare more affordable for those who qualify.
⠀
🔍 Who is Eligible? To qualify for CSR, you must:
⠀
- Enroll in a Silver health plan through the Health Insurance Marketplace.
- Have a household income between 100% and 250% of the Federal Poverty Level (FPL).
- Meet other eligibility criteria, which may vary by state.
⠀
💰 How It Works: When you qualify for CSR, your health insurance plan adjusts your costs:
⠀
- Lower Deductibles: Pay less before your insurance starts to cover expenses.
- Reduced Copayments: Lower amounts for doctor visits, prescriptions, and other services.
- Coinsurance Discounts: Pay a smaller percentage of your medical bills after meeting your deductible.
⠀
For example, if your deductible is typically $1,500, CSR might lower it to $1,000, significantly reducing your financial burden.