Warren Cohen

Warren Cohen is a finance writer based in Phoenix, Arizona, covering personal finance topics including credit, banking, and beginner investing. He earned his degree in business administration from Arizona State University and began his career working in consumer finance, where he gained direct experience with lending and credit systems. He now writes for personal finance websites and fintech platforms, focusing on clear, practical content that helps readers make informed financial decisions.

A medical id card attached to a stethoscope

Humana recaptured just over 40% of members affected by its last plan exits, a reference point for roughly 600,000 facing exits in 2027

Humana executives said during the company’s 2026 second-quarter discussion that planned 2027 Medicare Advantage exits are expected to affect roughly 600,000 members and that the insurer will try to retain a significant portion in other plans. The most concrete comparison is Humana’s last exit cycle: company filings show it recaptured just over 40% of affected…

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Moffitt says Humana ended its Medicare Advantage contract, leaving the cancer center out of network

Moffitt Cancer Center says Humana, not the hospital, terminated their Medicare Advantage agreement. The center has been out of network for Humana Medicare Advantage HMO and PPO members since July 1, 2026. For patients in active cancer treatment, the immediate financial question is whether continuity protection preserves in-network coverage long enough to complete a course…

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Some retirees can lose part of their Social Security checks over defaulted student loans after required notice

A defaulted federal student loan can reach beyond tax refunds and wages. Federal Student Aid says the Treasury Offset Program can collect certain federal payments, including Social Security benefits, after the borrower receives written notice. The notice period is financially important because several resolution or challenge paths can prevent or interrupt involuntary collection. Default and…

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Warren Buffett’s market gauge remains elevated, a level he once said means investors are playing with fire

A valuation measure associated with Warren Buffett remains far above its long-run comfort zone, but no single current percentage is an official Berkshire Hathaway statistic. The gauge compares the market value of equities with the economy that ultimately supports corporate earnings. Its useful message for retirees is about exposure and expected returns, not a precise…

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Image Credit: Tony Webster from Minneapolis, Minnesota, United States - CC BY 2.0/Wiki Commons

Mayo Clinic’s 2026 network list excludes most individual UnitedHealthcare and Humana Medicare Advantage plans

Mayo Clinic’s current insurance list sharply limits which individual UnitedHealthcare and Humana Medicare Advantage products are treated as contracted coverage in 2026. The practical question is not whether a card carries either company’s name, but whether the exact plan and Mayo location appear in the health system’s current contract information. For retirees considering specialty care,…

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Some hospital systems have stopped taking some Medicare Advantage plans this year, and seniors are losing in-network access to their own doctors

Hospital systems are publishing 2026 limits on Medicare Advantage participation that can separate seniors from established doctors. Mayo Clinic lists only narrow UnitedHealthcare and Humana arrangements, Moffitt Cancer Center says it is out of Humana’s network, and Mass General Brigham lists two major Medicare Advantage exclusions for Eastern Massachusetts primary care. The verified pattern is…

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The federal pension backstop now guarantees up to $7,789 a month for a 65-year-old whose plan fails in 2026

A failed private pension does not automatically erase every promised dollar. For a single-employer plan that terminates in 2026, the Pension Benefit Guaranty Corporation lists a maximum guarantee of $7,789.77 a month for someone who begins a straight-life annuity at age 65. That is a federal ceiling, not a standard payment, and the benefit a…

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States hold billions in forgotten money, including $15 billion in California alone

Forgotten accounts do not vanish when a bank, insurer, employer, or utility loses contact with the owner. After a state-defined dormancy period, the property is generally transferred to a government custodian that holds it for the rightful owner. The totals are enormous: California’s controller says that state alone safeguards more than $15 billion, while state…

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Image Credit: Tony Webster - CC BY-SA 2.0/Wiki Commons

Major insurers are quietly non-renewing 2026 home policies, and owners often get just 60 days to fight the aerial photo behind it

A roof can now fail an insurance inspection without an inspector climbing a ladder. Carriers use satellite and aircraft images, drones, and automated analysis to flag worn shingles, overhanging branches, debris, and other conditions before renewal. The financial risk arrives by mail: repair demands or a nonrenewal notice can leave a homeowner racing to prove…

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