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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics


Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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Since 1999, a trusted source of information about health insurance

Created in 1999, is one of the longest running sources of in-depth information about health insurance for consumers. Back when web sites were really just picking up steam, the site was known as the Health Insurance Resource Center.

A guide to affordable individual health insurance

In 2008, when President Barack Obama made comprehensive health reform one of his top priorities, expanded its content – and its team of writers – to focus intently on health reform. Americans curious about the hotly debated health reform legislation – which ultimately became the Affordable Care Act – could rely on the site for expert analysis and about the law and its implications.

Analysis from health insurance – and policy – experts

Contributors to our site include a cadre of respected health policy and reform experts whose analysis has garnered national media attention – and the ears of the nation’s political leaders. Among them:

Louise NorrisLouise Norris, who – as an individual health insurance agent – brings an insider’s perspective to coverage and analysis of health reform. Norris is author of The Insider’s Guide to Obamacare’s Open Enrollment and her state health insurance marketplace updates are regularly cited by media who cover health reform and by other health insurance experts.

Andrew SprungAndrew Sprung, who blogs about politics and policy – and particularly healthcare policy – at xpostfactoid. His articles about the rollout of the Affordable Care Act have appeared in The Atlantic and The New Republic and his analysis of ACA’s metal plans earned him the National Institute of Health Care Management’s 2016 Digital Media Award.

Harold PollackEconomist and health policy educator Harold Pollack, who has published widely at the interface between poverty policy and public health. His analysis of health policy has appeared in the New Republic, New York Times, Washington Post, Los Angeles Times, Daily Beast, American Prospect, Washington Monthly, and other publications.

Contributions from leading health advocates

Our blog has also hosted guest analysis from respected health reform advocacy organizations such as Families USA, Doctors for America and the Center for American Progress and from other organizations committed to improving access to affordable health insurance. Guests bloggers have included political leaders committed to expanding access to coverage, including former Kentucky Gov. Steve Beshear, Colorado State Sen. Irene Aguilar, M.D. and Kansas State Sen. Barbara Bollier, M.D.
Consumer advocacy groups

We aren’t afraid to bite the hand that feeds us

As an IHC Company, we are under common ownership with a group of insurance agencies and marketers, and insuretech businesses. Nevertheless, HIO operates independently and not at the behest of any insurance agency or carrier. We’re compensated by partners who offer health quoting services on our site. This allows us to hire bright people, invest in a robust technology platform to deliver this site for you, and continue our mission to make health insurance more understandable and available to more people.

We aren’t a non-profit, but we have the heart and soul of one. No one in the health insurance industry has any editorial control over our site. The editors of continue a long-standing mission to be watchdogs of the health insurance industry. Views expressed are those of our editors, and may not be shared by other sites we link to or partner with. Advocacy or opinion pieces are issue-specific, and should not be considered an endorsement of any particular elected official, political party or ideology.

Opinions by our bloggers and other writers are those of the bylined author and may not necessarily reflect the opinions of While we sometimes strive to be provocative, we always seek to be fair, accurate and complete in our coverage.

Contact us

We welcome questions or feedback about our content – you’ll find Facebook comments enabled on the majority of our articles so that you can share your feedback with all visitors and begin a dialogue. We welcome any and  all direct comments or suggestions as well, see our contact information below. And thanks in advance for contributing to the usefulness of this site for others.

Contact us via email:
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5353 Wayzata Boulevard, Suite 300
St. Louis Park, MN 55416.

Original content

The entire content of this web site and its subdomains is copyrighted to, llc., and should never be reproduced/copied to another web site without written authorization. In addition to respecting us, it respects our valued content creators whom we compensate to create timely, engaging and useful stories for our site.

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