Health insurance guides, answered straight.
Plain-English answers to the questions people actually search for, including the trade-offs most insurance sites leave out. No plan type gets a sales pitch here.
How to get a quote without the spam calls
Why one form triggers forty calls, how to spot a lead-selling site before you submit, and every way to see prices anonymously.
Self-employed? Every real option compared
Marketplace, private, a spouse's plan, and the tax deduction most self-employed people miss.
Health insurance for freelancers and gig workers
Multi-app income, subsidy math that keys off annual estimates, and the traps marketed at drivers.
Earn too much for subsidies? The cliff, explained
Why the 400% FPL cliff came back on January 1, 2026, and every realistic option above it.
Marketplace vs. private coverage: the honest comparison
The trade-offs each side's marketing leaves out, in one table. Neither is better; they fit different situations.
2026 rate increases, explained
An 18% median proposed marketplace increase, a 9% employer jump, and what you can actually do about it.
Does using a broker cost more? (No.)
The premium is identical with or without one. How commissions actually flow, and the one incentive question worth asking.
Made more than you told healthcare.gov?
How subsidy repayment works at tax time, why the 400% line is uncapped, and how to protect yourself when income swings.
How to verify any insurance agent's license
What an NPN is, how to look anyone up in two minutes, and the red flags of a shady agent.
Turning 65: what happens to your coverage
Medicare basics, the enrollment window, and why our own estimator is not the right tool at 65 and over.