J Macpherson Insurance & Financial Services, LLC

J Macpherson Insurance & Financial Services, LLC J Macpherson Insurance & Financial Services, LLC provides life insurance, health insurance, long ter We specialize in both health and life policies.
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J Macpherson Insurance & Financial Services, LLC is an independent insurance broker. We evaluate what your specific needs are for coverage and find the best policy to cover you, your family or your small business. Every month, we present "Understanding Medicare" at the League City Helen Hall library. This is an educational event to show you how Medicare works and what choices you have for your coverage. Call us for next scheduled date.

03/15/2026

Happy ! 🏀 Have you picked your brackets yet?

03/14/2026

As approaches, what are you most excited about for the new season? Let us know in the comments!
☀️ Warmer Weather
🌻 Flowers Blooming
👚 My Spring Wardrobe
🏝️ Vacation

03/13/2026

Also known as hospital insurance, Medicare Part A helps you pay for care when you're an inpatient in a hospital, critical access hospital, or skilled nursing facility. If you're interested in learning more about your options, our local TX at J Macpherson Insurance & Financial Services, LLC are happy to help answer your questions. Give us a call today at (281) 335-4429 or visit us at https://www.moneyforthefuture.com/.

Disclaimer: J Macpherson Insurance & Financial Services, LLC is not connected with the Federal Medicare program. By contacting this number, you will be connected with a licensed insurance agent. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

03/10/2026

An plan is a common type of health insurance that requires you to get care from a certain network of providers, generally only covering out-of-network care in emergencies or special circumstances. If you're wondering whether an EPO is the right option for you, talk to one of our at J Macpherson Insurance & Financial Services, LLC to learn more about it. Give us a call today at (281) 335-4429 or visit us at https://www.moneyforthefuture.com/.

03/08/2026

Today marks the beginning of ! Don't forget to set your clocks an hour ahead.

03/07/2026

can mess with your circadian rhythm, which is your body's internal clock. One way you can start adjusting to the time change is by getting plenty of daylight exposure. So, take today to enjoy the great outdoors! ☀️

03/05/2026

Nearly all plans offer extra benefits, such as vision, hearing, fitness, and dental services. Are you utilizing all the benefits available to you through your Advantage plan? Our friendly at J Macpherson Insurance & Financial Services, LLC are here to help you get the most out of your coverage. Give us a call today at (281) 335-4429 or visit us at https://www.moneyforthefuture.com/.

Disclaimer: J Macpherson Insurance & Financial Services, LLC is not connected with the Federal Medicare program. By contacting this number, you will be connected with a licensed insurance agent. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

03/01/2026

📋 IRMAA stands for Income-Related Monthly Adjustment Amount. It is a surcharge added to your Medicare Part B and Part D premiums if your income is above a certain level.

Most people have never heard of it until they get a letter from the Social Security Administration telling them their premiums are higher than expected.

The threshold in 2026 is $109,000 for single filers and $218,000 for joint filers. Your income from two years prior determines the surcharge. So your 2024 tax return is what SSA uses to set your 2026 Medicare costs.

This is where people approaching retirement get caught. Your last full year of working income, plus any severance, stock options, or Roth conversions you did during the transition, all count toward the MAGI number Medicare uses.

The surcharges are structured as cliffs, not brackets. Crossing a threshold by a single dollar triggers the full surcharge for that tier. The first cliff alone costs $974 per year.

If your income dropped because you retired, you can file Form SSA-44 and ask SSA to use your current income instead. That appeal option exists specifically for life-changing events like retirement, divorce, or death of a spouse.

The two years before Medicare enrollment are the ones that matter most. Save this if you are getting close.

02/28/2026

As we look ahead to a new month, what are your goals? Tell us about it in the comments!

02/28/2026

Poll:
What's your favorite midday pick-me-up drink? Let us know in the comments!
1️⃣ Coffee
2️⃣ Tea
3️⃣ Energy Drink
4️⃣ Soda

Address

624 West Main Street Suite 101
League City, TX
77573

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+12813354429

Website

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