Open Enrollment 2027: an 8-step checklist before you renew
Enrollment starts November 1. Why your renewal notice may be wrong, and what to check before you click "renew."
Read article →The ACA subsidy cliff is back: what it means for your premium
Enhanced subsidies expired after 2025. Who the 400% cliff hits, the repayment risk and legal ways to keep your credit.
Read article →Health insurance for truck drivers and owner-operators: the 2026 guide
Company plans, Marketplace subsidies based on net profit, the tax write-off and what an OTR plan needs.
Read article →Why OTR drivers need a nationwide network, and how to check one
Local, regional or OTR: match the network to your miles. What's protected out of state, and what isn't.
Read article →Travel nurses: take the agency plan or buy your own?
How agency coverage works, the multi-state network question, tax home and residency.
Read article →Between travel nurse contracts? 4 ways to cover the gap
COBRA, Marketplace, short-term or your own year-round plan, and the 60-day rule that protects you.
Read article →PPO vs HMO vs EPO: which plan type is right for you?
Referrals, out-of-network care, cost, and why PPOs can be hard to find on the Marketplace.
Read article →Deductibles, copays, coinsurance and out-of-pocket max, explained
A simple example of how the pieces work together, so you compare plans on total cost.
Read article →Turning 26? How to get your own health insurance with no gap
When your parent's plan really ends, the 60-day window and your five options.
Read article →Employer health insurance too expensive? Here are your options
The 9.96% affordability test, the family glitch fix and six ways to pay less.
Read article →COBRA vs a Marketplace plan: which costs less?
Why COBRA is so expensive, when it's still worth it, and the timing trap to avoid.
Read article →Missed Open Enrollment? The life events that let you enroll
Every qualifying life event, the 60-day rule and what doesn't count.
Read article →Self-employed? How the health insurance deduction works
Who qualifies, what counts, the spouse-plan rule and how it interacts with ACA subsidies.
Read article →Small business group health insurance: how small is too small?
Eligibility, participation rules, the November 15–December 15 window, ICHRA and the tax credit.
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