From basics to expert strategies—comprehensive guides that make insurance simple to understand.
Start here if you're new to health insurance. Learn the fundamentals, how it works, why you need it, and what it covers.
10 articles to explore
Learn the fundamentals of health insurance, including how it works, why you need it, and what it covers.
Break down the most important insurance terms and understand what you pay and when.
Discover why choosing in-network providers can save you thousands and how to find them.
Understand the difference between Bronze, Silver, Gold, and Platinum plans and which is right for you.
Discover the 10 essential health benefits that all ACA-compliant plans must include by law.
Decode your EOB statement and understand what your insurance paid vs what you owe.
From getting your insurance card to filing claims, learn how to actually use your coverage.
Don't make these costly errors! Learn the most common insurance pitfalls and how to avoid them.
Understand the financial and legal implications of going without health coverage.
Compare temporary coverage options with full ACA plans - pros, cons, and when each makes sense.
12 articles to explore
A comprehensive overview of the Affordable Care Act and how it affects your health insurance options.
Learn how premium tax credits and cost-sharing reductions can lower your monthly costs.
Find out if you qualify for financial assistance based on your income and household size.
What is FPL and how does it determine your subsidy amount? Everything you need to know.
Learn how CSRs lower your out-of-pocket costs with reduced deductibles and copays on Silver plans.
Understand the difference between these two types of subsidies and how they work together.
Tips for accurately projecting your income to maximize subsidies without owing money at tax time.
Learn how to report income changes and adjust your subsidies to avoid surprises at tax time.
Which states expanded Medicaid? Find out if you qualify for free or low-cost coverage.
Understand how advance premium tax credits are reconciled on your tax return and avoid owing money.
Discover how the enhanced subsidy structure makes plans more affordable for more Americans.
Learn about the subsidy cliff and strategies to maximize your financial assistance eligibility.
8 articles to explore
Don't miss the deadline! Learn when you can enroll in health insurance for 2025.
Qualifying life events that allow you to enroll in health insurance year-round.
Marriage, birth, job loss, and more - see if your situation qualifies for special enrollment.
A complete walkthrough of the application process from start to finish.
Gather these essential documents before you apply to make the process smooth and fast.
Step-by-step instructions for reporting life changes and enrolling during a Special Enrollment Period.
Explore your options if you missed the deadline, including SEPs and alternative coverage.
Understand what happens if you don't actively re-enroll and how it may affect your coverage.
10 articles to explore
Step-by-step guide to comparing plans and finding the best coverage for your needs.
Understand the differences between plan types and how they affect your healthcare costs and flexibility.
Learn about Health Savings Accounts and how high-deductible plans can save you money.
How to check if your medications are covered and compare pharmacy benefits across plans.
Understand OOP maximums and how they protect you from catastrophic medical expenses.
Learn how to verify your doctors and hospitals are in-network before choosing a plan.
Explore standalone dental and vision plans, plus what's included in medical plans.
Calculate whether a family plan or separate individual plans offer better value for your household.
Understand catastrophic coverage - eligibility, benefits, and whether it's the right choice.
Learn what actuarial value means and how it affects what you pay for healthcare.