Health insurance, in plain English
Written by a licensed advisor, reviewed regularly, and honest about trade-offs, including the ones that don't help me sell anything.
Private Health Insurance vs. ACA Marketplace Plans: An Honest Comparison
How private health insurance and ACA Marketplace plans differ on cost, networks, pre-existing conditions, and subsidies, and how to decide which fits you.
Read the guide Guide · 8 min readHow to Get Health Insurance When You're Self-Employed
A step-by-step guide to health insurance for freelancers, 1099 contractors, and business owners: your options, how subsidies work with variable income, and common mistakes.
Read the guide Guide · 6 min readMissed Open Enrollment? How Special Enrollment Periods Work
What counts as a qualifying life event, how long you have to enroll, what proof you may need, and what to do if you don't qualify for a Special Enrollment Period.
Read the guide Guide · 5 min readPPO vs. HMO vs. EPO: Which Network Type Fits You?
Plain-English explanation of PPO, HMO, EPO, and POS health plans: referrals, out-of-network coverage, cost trade-offs, and who each network type fits best.
Read the guide Guide · 6 min readThe Self-Employed Health Insurance Deduction, Explained
Who qualifies for the self-employed health insurance deduction, what premiums count, the income limit, how it interacts with subsidies, and common pitfalls.
Read the guide Guide · 6 min readLimited-Benefit & Excepted-Benefit Plans: What They Cover and What They Don't
An honest guide to fixed indemnity, limited-benefit, and other excepted-benefit health plans: how they pay, their limits, and when they make sense.
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