Plain-English writing on health insurance — what's changing in the market, what it costs, and what it actually means for your coverage. No jargon, no scare tactics, no spam list.
Open Enrollment runs November 1, 2026 to January 15, 2027 — but the deadline that actually matters is December 15 for coverage starting January 1. The full schedule, what to review before you renew, and how to avoid a January coverage gap.
Preliminary ACA filings show insurers requesting a median premium increase of about 14% for 2027 — potentially a second straight year of large hikes. What's driving it, from hospital costs and GLP-1 drugs to a shrinking risk pool, and how to prepare.
Marketplace, off-Marketplace, COBRA, a spouse's plan or small-group coverage — plus how to estimate 1099 income for subsidies, the self-employed premium deduction, and why Bronze plans are now HSA-eligible.
"Private insurance" can mean three very different things. A side-by-side comparison of ACA Marketplace, off-Marketplace and underwritten plans — pre-existing conditions, subsidies, networks — and why "PPO" doesn't tell you what a plan actually covers.
Cigna projects $200M in AI-driven customer savings and 81% of physicians now use AI professionally. How AI could make healthcare more proactive and efficient — and why medical inflation could still absorb the gains.
Premiums, deductibles, copays, coinsurance, provider networks, and out-of-pocket maximums — the core concepts explained in plain English, so you can compare plans with confidence.
Marketplace premiums rose 58% and deductibles jumped $1,000 per person — the steepest single-year increase on record. What's actually driving the cost, and the number that matters more than the premium.
24% of U.S. workers stay in a job they want to leave just to keep their coverage — up from 16% in 2021, and 41% among those managing a chronic condition. What to review before you give notice.
Enrollment losses at UnitedHealth and Elevance, a $400 million hit at HCA, and the expiration of enhanced ACA subsidies are showing up in earnings reports — and the pressure may eventually reach people on employer plans too.