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

How much do dental cleanings cost without insurance? photo

How much do dental cleanings cost without insurance?

October 30, 2025 – Learn how much a dental cleaning costs without insurance, the factors that can impact the cost of dental cleaning, and whether you need…

2026 ACA open enrollment period preview photo

2026 ACA open enrollment period preview

October 28, 2025 – Higher premiums and the expiration of enhanced premium subsidies top the list of 10 major changes that will affect Marketplace open…

Health insurance for the unemployed photo

Health insurance for the unemployed

September 29, 2025 – When it comes to obtaining health insurance for the self employed, consumers have several coverage options to consider, including ACA…

DACA recipients no longer eligible for Marketplace health insurance and subsidies photo

DACA recipients no longer eligible for Marketplace health insurance and subsidies

September 12, 2025 – Under a new federal rule, DACA (Deferred Action for Childhood Arrivals) recipients became ineligible to enroll in Affordable Care Act…

One Big Beautiful Bill Act brings sweeping changes to health coverage photo

One Big Beautiful Bill Act brings sweeping changes to health coverage

August 8, 2025 – Five provisions of the One Big Beautiful Bill (OBBBA) Act take effect in 2025 and early 2026 and will significantly impact Medicaid…

New federal rule brings immediate changes to Marketplace enrollment photo

New federal rule brings immediate changes to Marketplace enrollment

July 10, 2025 – A new federal rule will bring significant changes to Marketplace enrollment, with some of regulations becoming effective in August 2025.…

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…

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…

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…

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…