HSAs Explained Without the Tax Jargon
An HSA is the rare account that gives you a tax break going in, while it grows, and coming back out. Here is how it actually works, in plain English.
HSAs Explained Without the Tax Jargon Read Post »
The 2027 ACA Enrollment Window Is Up in the Air. Treat Mid-December as Your Deadline Anyway.
The 2027 ACA open enrollment window is caught in a legal fight and could get shorter. Here is why you should treat mid-December as your deadline.
The Food and Drug Addiction: A Deadly Dose of Corporate Greed
The FDA lets your food make you sick, then collects billions from the drug companies selling the pills to treat it. Here’s why nobody in Washington wants this fixed.
The Food and Drug Addiction: A Deadly Dose of Corporate Greed Read Post »
Self-Employed and Married to a W-2 Spouse? Your Health Insurance Has a Fork in the Road Most People Miss.
Self-employed with a spouse who has job-based benefits? Before you jump on their plan, run this comparison. It could mean a Marketplace subsidy and a tax break.
Your 2027 Health Insurance Rates Are Being Set Right Now. Here’s What That Means for You.
Insurers just filed their proposed 2027 rates. Here’s what the double-digit headlines actually mean for you, and why the first number isn’t the final number.
What Universal Healthcare Would Actually Look Like Here and an Honest, Country-by-Country Review
Universal healthcare isn’t the fix everyone thinks it is. An honest country-by-country look at what UHC actually delivers, what it costs, and a market-based alternative that fixes the specific gap in the US system without tearing it down.
The Medicaid Unwinding Aftermath — Where the 25 Million Landed
25 million+ Americans have been moved off Medicaid since April 2023. Most were “procedural disenrollments” — paperwork problems, not eligibility. If you lost coverage and it’s within 60 days, your Marketplace SEP is open right now.
The Medicaid Unwinding Aftermath — Where the 25 Million Landed Read Post »
Open Enrollment Just Got Shorter — Nov 1 to Dec 15 in Most States
New federal Marketplace rules compressed the Open Enrollment window to roughly six weeks — November 1 to December 15 in most states. Auto-renewal isn’t the safety net it used to be. Here’s what changed and how to plan around it.
Open Enrollment Just Got Shorter — Nov 1 to Dec 15 in Most States Read Post »
Why You’re the Only Loser in the Dental Insurance Racket
“We accept all PPO insurances” doesn’t mean what you think it means. Half the dentists are in-network with nobody — and the pricing is designed so you’re the only one who loses. Here’s how the racket works and the right question to ask at the front desk.
Why You’re the Only Loser in the Dental Insurance Racket Read Post »
What Health Insurance Actually Looks Like in Every State — A 50-State Guide
Licensing is one layer. Carrier appointments are another. What the carrier’s app will actually let me quote you is a third. Here’s where all three line up right now — across every state I’m licensed in and the ones I’ll happily add.
What Health Insurance Actually Looks Like in Every State — A 50-State Guide Read Post »