Health Insurance Education
Understand your health insurance options — from ACA marketplace plans to employer coverage, short-term insurance, and everything in between.
How Health Insurance Premiums Are Calculated: What Drives Your Monthly Cost
Learn what determines your health insurance premium, including the five ACA-allowed rating factors, how subsidies reduce your cost, and practical ways to lower your monthly payment.
Health Insurance for Self-Employed: Your Options and How to Save
Self-employed individuals face unique challenges when buying health insurance. Learn about marketplace plans, tax deductions, HSAs, and other strategies to find affordable coverage and reduce costs.
COBRA Health Insurance: How It Works, What It Costs, and When to Use It
COBRA lets you keep your employer health insurance after losing your job or experiencing another qualifying event, but it comes at a steep cost. Learn how COBRA works, what it costs, how long it lasts, and when a marketplace plan might be a better alternative.
HSA vs. FSA: Health Savings Accounts and Flexible Spending Accounts Explained
HSAs and FSAs both let you pay for medical expenses with tax-free dollars, but they differ in eligibility, rollover rules, and long-term savings potential. Learn which account is right for you.
How to Choose a Health Insurance Plan: A Step-by-Step Guide
Choosing the right health insurance plan can save you thousands of dollars a year. This step-by-step guide walks you through plan types, key terms, cost comparisons, and subsidy eligibility so you can pick the best coverage for your needs and budget.
Health Sharing Ministry Plans: How They Work, What They Cost, and What to Watch Out For
Health sharing ministries offer a lower-cost alternative to traditional health insurance, but they are not insurance. Learn how they work, what they cost, what they exclude, and the risks involved.
Fixed Indemnity Health Insurance: What It Is, How It Works, and Who It's For
Fixed indemnity health insurance pays a set dollar amount per medical event rather than covering a percentage of your bill. Learn how these plans work, what they cost, and whether one makes sense for your situation.
Short-Term Health Insurance: What It Covers, What It Doesn't, and Who It's For
Short-term health insurance offers temporary, affordable coverage for gaps between plans, but it does not cover pre-existing conditions or essential health benefits. Learn what it covers, what it excludes, and whether it is right for you.
ACA Health Insurance: How the Affordable Care Act Marketplace Works
Learn how the ACA marketplace works, compare metal tier plans, understand premium tax credits and cost-sharing reductions, and find the right health insurance plan for your budget.
Health Insurance Deductibles Explained: What They Are, How They Work, and How to Choose
A health insurance deductible is what you pay out of pocket before your plan starts covering costs. Learn how deductibles work and how to choose.
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