Guides
Every guide is written for one life event, cites primary sources, and is reviewed by a licensed agent before it publishes.
Costs, subsidies, and the 2027 landscape
Why premiums doubled for many households, how the restored 400% FPL cliff works, silver loading, repayment risk with the caps gone, and the December 15 deadline.
Health insurance for freelancers and the self-employed
How to buy your own coverage when nobody withholds anything for you: estimating irregular income, claiming the subsidy, deducting premiums, and not getting burned at tax time.
Lost your job — or leaving one
The 60-day clock, COBRA vs. Marketplace with real numbers, severance and subsidy interactions, and how to keep your doctors through a layoff.
Retiring before 65: bridging to Medicare
The 400% FPL cliff is back and the stakes are five figures. MAGI management, age rating, silver loading, and how early retirees build the bridge years.
Small business owners without group coverage
Covering yourself — and maybe a handful of employees — without a group plan: the individual Marketplace, ICHRA, and the spouse-on-payroll pitfalls.
Turning 26: your first health plan
Aging off a parent's plan is a year-round qualifying life event with its own deadline math. How to use it, what a first plan really costs, and the cheap-plan traps.