Republicans Push to Extend ACA Subsidies Before 2026 Midterms With enhanced Affordable Care Act (ACA) premium subsidies set to expire at the end of 2025, a group of House Republicans has introduced legislation to extend the benefits through 2026. The move aims to prevent a sharp rise in health insurance costs and potential coverage losses […]
Strengthening Marketplace Integrity: What Agents and Brokers Need to Know The healthcare enrollment landscape is shifting, and agents and brokers are right in the middle of it. CMS and its partners have rolled out a series of changes aimed at protecting consumers, tightening security, and ensuring transparency across the Federally-facilitated Marketplace (FFM). While some […]
TLD’s Commitment to Robocall Mitigation: Fully Aligned with FCC Standards In a sweeping move in August 2025, the Federal Communications Commission (FCC) took action against—or “hung up on”—more than 1,200 voice service providers. These providers were removed from the FCC’s Robocall Mitigation Database (RMD), effectively cutting them off from routing calls through the U.S. network. […]
ACA at a Crossroads: CMS Cracks Down on Enrollment, Brokers Brace for Impact If you’ve been feeling like the world of ACA coverage is shifting rapidly—and with high stakes—you’re not alone. CMS is zeroing in on improper and duplicate enrollments, and the ripple effects are poised to land squarely in your lap, whether you’re a […]
A New Crossroads for TCPA: Text Messages, DNC Rules, and the McLaughlin Impact — and How TLD Helps You Stay Compliant The TCPA compliance landscape has entered uncharted territory. The recent McLaughlin Chiropractic Associates v. McKesson Corp. decision has upended decades of precedent by ruling that district courts no longer need to defer to FCC […]
Why Consent Matters More Than Ever in Client Messaging (And What Recent Court Rulings Tell Us) When it comes to texting your clients, most businesses believe they’re playing it safe—especially if they’re just sending informational messages. But recent legal developments are sending a clear message: consent is everything, and even well-meaning texts can get […]
Phishing Is Still the Easiest Way In—Even at Google. Here’s How to Protect Your Business In 2025, cyberattacks are rarely about brute force. They’re about trust—and that trust is being exploited through tactics like voice phishing. A recent Salesforce breach campaign exposed just how vulnerable even the most secure organizations are. Companies like Google, […]
Minnesota’s New Consumer Data Privacy Act: What It Means for Insurance Agencies and Brokers On July 31, 2025, the Minnesota Consumer Data Privacy Act (MCDPA) officially went into effect, introducing one of the most comprehensive consumer data protection frameworks in the country. For insurance agencies and brokers who operate in Minnesota or engage with Minnesota […]
Understanding FCC’s “Reasonable Means” Rule for SMS Opt-Outs: Are You Prepared? Maintaining TCPA SMS opt-out compliance is becoming more complex due to the FCC’s updated interpretation of what constitutes a “reasonable means” to stop unwanted text communications. As businesses rely more on SMS for outreach, understanding and honoring these opt-out requests is critical—not just for […]
The Rise of AI—and the Risk That Comes With It Artificial Intelligence (AI) is transforming how businesses operate, especially in fast-paced industries like insurance. While these tools offer speed and scalability, AI data protection in insurance sales must remain a top priority. Without proper safeguards, AI systems can expose sensitive personal data—as demonstrated in a […]
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