Turning 65 While Still Working: Do You Need Medicare Part B?
When delaying Part B at 65 is safe, how the 20-employee rule decides who pays first, the late penalty, the 8-month sign-up window and the HSA trap.
Health Insurance
How US health plans work: Marketplace coverage, employer plans, COBRA, Medicare, special enrollment and how to compare plans by what they actually cost.
Special Enrollment Periods: Life Events That Let You Sign Up Midyear
Which life events open a special enrollment period, how long you have to act, when coverage starts, what documents you may need, and the rules for employer plans.
Prescription Drug Coverage: Formularies, Tiers and How to Check Yours
What a formulary is, how drug tiers set your cost, what prior authorization and step therapy mean, how to check a drug before enrolling, and how to get an exception.
How Marketplace Premium Tax Credits Work in 2026 and 2027
Who qualifies for the Marketplace premium tax credit in 2026 and 2027, how it is figured from the benchmark silver plan, and how to avoid a repayment at tax time.
Premium, Deductible, Copay, Coinsurance and Out-of-Pocket Maximum Explained
What a premium, deductible, copay, coinsurance and out-of-pocket maximum mean, one year of bills traced through a plan, and the 2026 and 2027 federal limits.
Open Enrollment for 2027 Health Plans: Dates, Deadlines and a Checklist
HealthCare.gov open enrollment for 2027 runs Nov. 1, 2026 to Jan. 15, 2027. Coverage start dates, auto re-enrollment, what changed and a checklist.
Moving to Another State: What Happens to Your Health Insurance
Why a Marketplace plan does not follow you to a new state, how the 60-day moving special enrollment period works, and what changes for job plans, Medicaid and Medicare.
Bronze, Silver, Gold or Platinum: How to Pick a Metal Tier for 2027
What the four Marketplace metal tiers measure, what they do not tell you, and a worked 2027 example of yearly costs at low, medium and high use.
Medicare Open Enrollment (Oct 15 to Dec 7, 2026): What to Review
What you can change in Medicare open enrollment for 2027, how to read your Annual Notice of Change, the $2,400 drug cap and the Part B figures known so far.
Lost Your Job? COBRA vs a Marketplace Plan, Compared
COBRA keeps your old plan at up to 102% of its full cost; a Marketplace plan can cost less with a tax credit. Deadlines, 2026 and 2027 rules and a decision guide.
HMO, PPO, EPO or POS: Which Health Plan Network Type Fits You
How HMO, PPO, EPO and POS plans differ on referrals, out-of-network coverage and cost, with a decision table and the federal rules that protect you in an emergency.
Health Insurance for the Self-Employed and Freelancers
Coverage options for freelancers and sole proprietors in 2026 and 2027: Marketplace plans on variable income, a spouse's plan, HSAs and the self-employed deduction.
Cost-Sharing Reductions: When a Silver Plan Beats a Gold Plan in 2027
Who qualifies for cost-sharing reductions in 2027, how they upgrade a Silver plan, and worked examples comparing Silver with Gold and Bronze.
How to Compare Health Plans by Total Yearly Cost
A repeatable way to compare health plans: a year of premiums plus out-of-pocket costs at low, expected and worst-case use, with a worked 2027 three-plan table.
Catastrophic Health Plans in 2027: Who Can Buy One and Is It Worth It
Who can buy a catastrophic plan for 2027, what it covers before the $12,000 deductible, why tax credits do not apply, and when a Bronze plan costs less.
Having a Baby: How to Add a Newborn to Your Health Insurance
Deadlines to add a newborn to an employer or Marketplace plan, coverage back to the birth date, Medicaid and CHIP for babies, and HSA and FSA changes for 2026.