Health Insurance, Explained
Practical guides to help you understand your options, save money, and get covered.
Special Enrollment: How to Get Health Insurance Right Now
Open Enrollment is over, but you can still sign up. A complete list of qualifying life events and exactly how the process works.
ACA Subsidies in 2026: What Changed and What It Means for You
The enhanced subsidies expired. The cliff is back. If you buy marketplace coverage, your costs probably went up this year.
Enrollment
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Special Enrollment Period 2026: How to Get Health Insurance After Open Enrollment
Open Enrollment for 2026 ended January 15. Here's how to get a marketplace plan right now through a Special Enrollment Period — qualifying events, 2026 subsidy changes, and step-by-step instructions.
Open Enrollment 2026: What Happened and What to Do Now
OE 2026 ran Nov 1 - Jan 15 and is now closed. What changed, what to do if you missed it, and what to verify if you enrolled.
Open Enrollment 2027: What You Need to Know
The enrollment window is shorter this year. Key dates, what changed, and how to prepare before November 1.
Life Events
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Lost Your Job? How to Get Health Insurance Now
COBRA can cost $600+/month. A marketplace plan with a subsidy might be half that. How to compare and enroll.
Turning 26: Health Insurance After Your Parents' Plan
You have 60 days to find your own coverage. What to do, what it costs, and how to avoid a gap.
Lost Medicaid? Your Marketplace Options Explained
Millions lost Medicaid during redetermination. If that happened to you, a marketplace plan with subsidies is likely your best option.
Guides
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Tax Season and Your 1095-A: What to Do If Your Subsidy Was Wrong
How to reconcile your premium tax credit on Form 8962, handle 1095-A errors, and understand repayment rules.
Income Changed Mid-Year? How to Update Your Marketplace Subsidy
If your income goes up or down during the year, your subsidy may be wrong. How to report changes and avoid a surprise tax bill.
How Health Insurance Subsidies Work
Premium tax credits, cost-sharing reductions, the subsidy cliff. A plain-language explanation of how the money actually works.
By Audience
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Health Insurance for Freelancers
No employer plan, variable income, tax deductions you might not know about. A guide to getting covered when you work for yourself.
Health Insurance for Gig Workers
Uber, DoorDash, Instacart, contract work. You don't get benefits, but you can still get a subsidized plan.
Health Insurance for Early Retirees (55-64)
Too young for Medicare, facing the highest premiums due to age rating. How to bridge the gap to 65 without going broke.
By State
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Health Insurance in Texas
Texas has the highest uninsured rate in the country and still hasn't expanded Medicaid. What your options actually look like.
Health Insurance in Florida
Florida has the biggest marketplace in the U.S. by enrollment. Plans, carriers, costs, and how subsidies work here.
Health Insurance in Georgia
Georgia expanded Medicaid and launched its own exchange. What changed and how to pick a plan.