A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 888-383-5527
Speak with a licensed insurance agent 888-383-5527
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.
Featured
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.

Posts by year

2016

Escaping the crush of premium increases photo

Escaping the crush of premium increases

October 14, 2016 – If health insurance rate hikes make you feel stuck between a rock and a hard place, take heart. These strategies may offer a way…

History (of health carrier greed) repeats itself photo

History (of health carrier greed) repeats itself

October 9, 2016 – You can be certain the companies that are dropping out of several Obamacare markets next year will return if they can get Congress and the…

ColoradoCare: Cure for an ailing healthcare system? photo

ColoradoCare: Cure for an ailing healthcare system?

October 7, 2016 – ColoradoCare has no deductibles, no copays for preventive and primary care, and waives other copayments when they cause financial hardship.…

A Medicare buy-in Republicans can love photo

A Medicare buy-in Republicans can love

September 23, 2016 – One might assume that Republicans would never go for a Medicare buy-in, as it would expand the ranks of those who get "government-run"…

Southerners – and women – enjoy bigger subsidies photo

Southerners – and women – enjoy bigger subsidies

September 23, 2016 – ACA's subsidies are working just as they were intended to: Subsidies are higher where incomes are lower, and after-subsidy premiums are…

7 reasons for ending off-exchange enrollment photo

7 reasons for ending off-exchange enrollment

September 15, 2016 – If every ACA-compliant plan was only available via the exchanges, millions more could have access to ACA's tax…

Do we need a stiffer individual mandate penalty? photo

Do we need a stiffer individual mandate penalty?

September 14, 2016 – Would a heftier tax penalty for being uninsured fix anemic marketplace enrollment and help to prevent an ACA death spiral? At least one…

Cry me a river, Aetna. photo

Cry me a river, Aetna.

August 25, 2016 – So, thanks to Obama – and more specifically, Obamacare – Aetna and its competitors are rolling in the federal dough. But, because of…

Aetna or no Aetna, the exchanges need help photo

Aetna or no Aetna, the exchanges need help

August 17, 2016 – The below four strategies could help financially stabilize ACA marketplaces and to improve the human experience of those receiving coverage…

Medicaid patients deserve our care photo

Medicaid patients deserve our care

August 5, 2016 – The Medicaid eligible population deserves our care. Most are employed full-time, some with two to three jobs that do not offer insurance…

The Insurance Empire Strikes Back photo

The Insurance Empire Strikes Back

August 2, 2016 – What the insurers are implying here is that if the Obamacare marketplace doesn't "stabilize" to their satisfaction (even though the…

Tax code fix will deliver dental for millions of kids photo

Tax code fix will deliver dental for millions of kids

July 14, 2016 – The National Association of Dental Plans (NADP) estimated in 2014 that 366,616 low-income children under the age of 18 and their families…