A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Featured
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.
Featured
Qualifying life events that trigger an ACA special enrollment period
Learn what a qualifying life event is and which life changes (like marriage, job loss, birth, or moving) trigger a special enrollment period to get an ACA-qualified plan outside open enrollment.

Expert analysis of health reform issues

Obamacare’s anti-discrimination protections fortified photo

Obamacare’s anti-discrimination protections fortified

May 17, 2016 – With the issuance of a final rule on Section 1557 of the Affordable Care Act, one more roadblock to full equality for the LGBT community…

Paul Ryan pulls back the curtain photo

Paul Ryan pulls back the curtain

May 9, 2016 – Ryan’s outlandish proposal is wrong on the facts and ignores recent history. But it does give us a peek at what a Republican replacement…

Why insurers thrive (or dive) in ACA marketplaces photo

Why insurers thrive (or dive) in ACA marketplaces

April 28, 2016 – Centene is happy with its marketplace profits. UHC is losing millions. Can the Iowa marketplace offer clues as to why carriers succeed or…

Suicide rates – and how Medicaid can help photo

Suicide rates – and how Medicaid can help

April 24, 2016 – Obamacare's Medicaid expansion probably wouldn't dramatically reduce the incidence of suicide in the United States. But it would…

Minnesota considers a ‘public option on steroids’ photo

Minnesota considers a ‘public option on steroids’

April 21, 2016 – If MinnesotaCare really is offered at a Silver-range price to all comers, its effective discount would be so huge that it's hard to…

Why high deductibles don’t work photo

Why high deductibles don’t work

April 12, 2016 – Ultimately, high-deductibles handicap patients' and providers' ability to work together to effectively manage patients' health, prevent…

Should we extend coverage to the undocumented? photo

Should we extend coverage to the undocumented?

March 24, 2016 – The cleanest approach to our insurance market would be to exclude undocumented immigrants, as we have done. There’s only one problem:…

Moonshot only the latest of Obama cancer missions photo

Moonshot only the latest of Obama cancer missions

March 23, 2016 – Long before the Obama administration's pledge to eliminate cancer, Obamacare began targeting obstacles to cancer coverage and treatment.…

How Obamacare delivered more birth options photo

How Obamacare delivered more birth options

March 8, 2016 – Obamacare's coverage of pregnancy as an essential benefit was just the beginning of vastly improved access and expanded choice in…

No. Obamacare isn’t killing the insurance industry. photo

No. Obamacare isn’t killing the insurance industry.

March 1, 2016 – As health carriers blame losses on Obamacare, their stocks gains continue to be 'yuge,' thanks to one great customer: Uncle…

Holes in the National Safety Net photo

Holes in the National Safety Net

February 27, 2016 – The following guest post is from Karan Chhabra, a medical student at Rutgers Robert Wood Johnson Medical School, and winner of the $2,500…

Look who’s talking about healthcare policy photo

Look who’s talking about healthcare policy

February 26, 2016 – After months of lip service on healthcare, Republican presidential frontrunners unleash a barrage of recycled and nonsensical policy…