A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Will you receive an ACA premium subsidy?
Learn how to determine if you qualify for ACA premium subsides, how subsidies are calculated, and why subsidy amounts in 2026 may be lower than recent years.

Expert analysis of health reform issues

Sadness. Gratitude. Cautious optimism. photo

Sadness. Gratitude. Cautious optimism.

January 20, 2017 – On this, the inauguration day of our 45th U.S. president, we will not mince words. We will not conceal our sadness as we bid fond farewell…

High-risk pools were a last resort for a reason photo

High-risk pools were a last resort for a reason

January 13, 2017 – High-risk pools could be resurrected, and yes, they could potentially work. But they would require massive cash infusions from the federal…

Back from the Future. (A sequel we’ll all hate.) photo

Back from the Future. (A sequel we’ll all hate.)

January 6, 2017 – Obamacare is far from perfect, but as individuals and as a country, we are much better off with it than without it.…

‘Obamacare saved my life’ photo

‘Obamacare saved my life’

January 5, 2017 – While policy wonks analyze the political challenges of repealing Obamacare, millions of Americans who rely on it to help pay for lifesaving…

A post-ACA subsidy that already exists photo

A post-ACA subsidy that already exists

December 23, 2016 – Is deductibility of health premiums a promising 'repeal' component? See how it works for over 4 million who already take the…

Benefit maximums: An end to ‘free lunch’? photo

Benefit maximums: An end to ‘free lunch’?

December 23, 2016 – Allowing insurers to impose benefit limits might help lower premiums, but would taxpayers, patients, and families be left holding the…

Obamacare for Trump’s base photo

Obamacare for Trump’s base

December 23, 2016 – The Affordable Care Act (ACA) has many challenges. I wish that it did more for people. It also does an incredible amount of good for…

Repealing the ACA would be the only true disaster photo

Repealing the ACA would be the only true disaster

December 16, 2016 – In sharing these stories, we hope that our policy makers will understand that the only true disaster is the one that awaits us if the ACA…

The sickest states are the poorest states photo

The sickest states are the poorest states

December 15, 2016 – The states most vulnerable to medical underwriting happen to be most in need of the Affordable Care Act's income-adjusted…

A (Tom) Price cut for subsidized health coverage photo

A (Tom) Price cut for subsidized health coverage

December 14, 2016 – As a standalone replacement for the ACA, Tom Price's plan would render coverage unaffordable for the vast majority of the 20-plus million…

The health savings accounts Tom Price loves photo

The health savings accounts Tom Price loves

December 3, 2016 – To imagine that HSA-centric legislation is going to create a seismic shift in Americans' ability and willingness to save money is…

‘Please take away my health coverage.’ photo

‘Please take away my health coverage.’

November 30, 2016 – How many Americans voted for Donald Trump (and presumably the rest of the Republicans on the ticket), "thus ensuring that they've…