Health Insurance Costs & Affordability: New analysis says 2027 health premiums could jump 4% to 40% (most in the mid-teens), driven by prescription prices, GLP-1 use, and rising mental health/substance care costs. ACA Refund Politics: Trump’s promised $500 “Obamacare refunds” target some HealthCare.gov enrollees in 30 states who paid full price with no subsidies, while many others won’t qualify. Medical Debt Reality Check: A Commonwealth Fund survey finds medical debt hits insured Americans too—32% of working-age adults with private coverage are paying down bills, often delaying care or cutting essentials. Digital Fraud & Consumer Safety: Clark Howard says a Meta deepfake ad cloning his face to sell fake insurance was not removed, highlighting ongoing platform and consumer risks. Auto Insurance Regulation: California’s commissioner moved to bar insurers from using marital status in auto pricing, aiming to stop higher rates for unmarried drivers. Home Insurance & Disaster Readiness: Connecticut launched a “Be Weather Ready” center to help residents understand hazard risks and insurance coverage before severe weather. Claims Performance Scrutiny: Every Fire Survivor’s Network and UCLA launched the L.A. Fire Survivor Insurance Survey to track insurer delays, denials, and underpayments after wildfires. Company & Ratings Updates: AM Best upgraded Bupa Insurance Company’s ratings to A- and “a-,” citing very strong balance sheet strength; Howden appointed a new COO for its employee benefits unit. Property Insurance Market Signals: State Farm reopened California for new homeowners insurance apps, but only for wildfire-prepared homes and with eligibility that still isn’t automatic approval.