The 2026 ACA Premium Spike: How to Lower Your Bill Without Losing Coverage
If your Marketplace bill went up sharply for 2026, you’re seeing the real-world effect of the enhanced ACA premium tax credits expiring at the end of 2025. The good news: there are concrete steps that can bring your bill back down without leaving you uninsured. Why Your Premium Jumped The enhanced subsidies that made ACA […]
Married, New Baby or Moving? Your ACA SEP 2026
Marriage, a new baby, or a move can open a 60-day ACA Special Enrollment Period in 2026. See which life events qualify and how to apply.
Health Insurance for the Self-Employed (1099) in 2026
Self-employed with 1099 income? The Marketplace and subsidies are for you. Learn to estimate income, the self-employed deduction, and mistakes to avoid.
Lost Job or Can’t Afford Health Insurance in 2026: SEP, COBRA vs Marketplace and the Hardship Exemption
Lost your job or can’t afford coverage in 2026? Learn the 60-day SEP, COBRA vs Marketplace, subsidies, and the hardship exemption, in plain language.
I Earned a Little Too Much and Lost My Obamacare Subsidy in 2026: The 400% Cliff Is Back
If you earned a little too much and crossed 400% of the federal poverty level, in 2026 you can lose your Obamacare subsidy entirely. We explain what the 400% cliff is, why it is back, and how to soften the hit to your premium.
ACA for Immigrants 2026-2027: Who Loses Subsidies and What Coverage Options Remain
The 2026-2027 ACA changes affect many immigrant families. Here is who loses subsidies, which groups remain eligible, and what coverage options are still available.
Lost Medicaid in 2026: How to Switch to the Marketplace Without Losing Coverage
Millions of families are receiving Medicaid loss letters in 2026 after state redeterminations. You have 60 days to enroll in the Marketplace without waiting for Open Enrollment, with subsidies that can bring your premium down to $0 per month.
Bronze or Platinum? How to Choose the Metal Level That Best Protects Your Pocket
When shopping for health insurance on the Affordable Care Act (ACA) Marketplace, you will encounter plans categorized into “metal levels”: Bronze, Silver, Gold, and Platinum. While it is tempting to think of these like Olympic medals where Gold is “better” than Bronze, these tiers actually measure how you and your insurance company split the costs of your healthcare rather than the quality of care you receive.
Your Health Insurance “Secret” Manual: 5 Rights That Change How You See the Doctor
We often think of health insurance as just a card in our wallet for when we get the flu. However, thanks to the Affordable Care Act (ACA), your plan is actually a shield of rights designed to ensure you don’t go bankrupt or lose access to care when you need it most.
Essential Health Benefits Guide: Maternity, Mental Health, and Pre-existing Conditions
The Affordable Care Act (ACA), popularly known as Obamacare, established a health insurance marketplace that requires participating insurance companies to offer a minimum of ten essential health benefits. These benefits are designed to ensure that all individuals, regardless of their health status or medical history, have access to continuous, dignified, and affordable medical care.