A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 866-553-3223
Speak with a licensed insurance agent 866-553-3223
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Featured
Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why they are more robust through 2025.
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Federal poverty guidelines for 2025
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.

Expert analysis of health reform issues

Budget bill provisions could make ICHRAs more appealing to businesses photo

Budget bill provisions could make ICHRAs more appealing to businesses

May 30, 2025 – The budget reconciliation bill that passed in the House of Representatives includes provisions intended to make ICHRAs – or CHOICE…

ICHRA vs QSEHRA: Which is right for your small business? photo

ICHRA vs QSEHRA: Which is right for your small business?

May 28, 2025 – Compare ICHRA and QSEHRA to find out which health reimbursement arrangement best fits your business. Learn about eligibility, contribution…

9 mental health insurance questions consumers should ask photo

9 mental health insurance questions consumers should ask

May 16, 2025 – The answers to nine mental health insurance questions consumers ask about coverage of mental health treatment, substance abuse disorder…

The most likely targets for Medicaid cuts photo

The most likely targets for Medicaid cuts

May 6, 2025 – We look at likely ways the government might make cuts to federal Medicaid spending – and look at the populations that the cuts would…

Medicaid for children: 6 facts every parent should know photo

Medicaid for children: 6 facts every parent should know

April 23, 2025 – Medicaid for children plays a vital role in covering kids in the U.S., but many families may not be aware of the state and federal…

Proposed rule would bring sweeping changes to Marketplace enrollment, eligibility photo

Proposed rule would bring sweeping changes to Marketplace enrollment, eligibility

March 13, 2025 – A proposed federal rule issued this week would, if finalized, bring wide-ranging changes for the Affordable Care Act’s health insurance…

HMO vs PPO vs POS vs EPO: What’s the difference? photo

HMO vs PPO vs POS vs EPO: What’s the difference?

February 17, 2025 – The type of managed care your health plan falls under affects your healthcare costs and plan benefits – including access to medical…

Can a new President make health policy changes on ‘Day One?’ photo

Can a new President make health policy changes on ‘Day One?’

January 17, 2025 – When a new Commander in Chief takes office and their party also controls both chambers of Congress, how quickly can they make changes to…

Four reasons to not wait until January to enroll in an ACA health plan photo

Four reasons to not wait until January to enroll in an ACA health plan

January 16, 2025 – Obamacare's 2023 open enrollment runs until January 15 in most states. Here's why you might want to enroll by December 15…

How sunsetting ARP’s subsidy enhancements would affect ACA subsidy amounts photo

How sunsetting ARP’s subsidy enhancements would affect ACA subsidy amounts

January 3, 2025 – What will happen to Marketplace health insurance subsidy availability and size when the subsidy enhancements instituted under the American…

ACA open enrollment: what’s new for 2025 photo

ACA open enrollment: what’s new for 2025

October 16, 2024 – Open enrollment for 2025 ACA (Affordable Care Act)-compliant health insurance is just around the corner. Let’s take a look at the various…

Finalized federal rule reduces total duration of short-term health plans to 4 months photo

Finalized federal rule reduces total duration of short-term health plans to 4 months

September 20, 2024 – A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule…